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USAA® Eagle Adapt™ Credit Card: Full Review [2026]
Jarrod West
Jarrod West
Senior Writer & Series Lead
817 Published Articles
Countries Visited: 21U.S. States Visited: 24
Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 8 years. He earns and redeems over 1 million points per year and his work has been featured in o...
Editing with Upgraded Points for over 7 years, as Director of Travel & Credit Card Editorial, Keri manages the editorial calendar and oversees the efforts of the editing team and over 15 content contr...
Since 2016, he has embraced the life of a digital nomad, making the world his office. He has built a career in social media marketing and blogging for various travel brands, which is also his bread an...
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USAA® Eagle Adapt™ Credit Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
3
$200
$0
0% intro APR for 15 months on balance transfers, cash advances and purchases that post within 90 days of account opening. After that, a variable regular APR of 16.40% - 26.40% applies.
USAA® Eagle Adapt™ Credit Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
3
Card Details
Welcome Bonus & Info
Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
Earn a $200 reward bonus after spending $1,000 on qualifying purchases within 90 days of account opening.
Get a 0% intro APR for 15 months on all purchases, and on any balance transfers and convenience checks that post to your account within 90 days of account opening. After this time, the variable regular APR of 16.40% – 26.40% will apply to these introductory balances and any new transactions.
3% cash back on your first $3,000 in combined quarterly purchases across eligible spend categories including gas & electric vehicle charging stations, groceries, dining, live entertainment & streaming services, home improvement & home furnishings, travel, transit, and health & wellness.
1% unlimited cash back on other purchases.
No penalty APR.
No annual fee.
No foreign transaction fees.
A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
16.40% – 26.40% variable regular APR.
Terms and Restrictions apply. See the Reward Terms and Conditions on USAA’s website for details.
Pros & Cons
Pros
3% back on up to $3,000 per quarter on combined spend among these eligible categories:
Gas and electric vehicle charging stations
Travel
Transit
Dining
Groceries
Health and wellness
Live entertainment and streaming services
Home improvement and home furnishing
1% back on all other purchases
0% intro APR offer for 15 months
$0 annual fee
No foreign transaction fees
Travel and purchase protections
Cons
3% back category is limited to $3,000 in spend per quarter
Great Card If
You’re a USAA member.
You want to earn 3% cash-back rewards on a variety of purchases without an annual fee.
Don’t Get If
You’re not a USAA member.
You prefer a travel rewards card.
USAA Eagle Adapt Card: Is It Worth It?
The USAA Eagle Adapt card is a great option for USAA members looking to add a card to their wallet that earns 3% cash-back on a wide variety of everyday expenses.
While there is a limit to the amount of cash-back you can earn at the 3% back rate, the fact that there are 8 eligible categories with which you can earn 3% back, with a $0 annual fee, is sure to make the card a great fit for many households.
USAA Eagle Adapt Card Top Benefits and Perks
Here is a full look at the top benefits and perks you can expect from the USAA Eagle Adapt card:
0% intro APR offer:0% intro APR for 15 months on all purchases, and on any balance transfers and convenience checks that post to your account within 90 days of account opening. After that, a variable regular APR of 16.40% - 26.40% will apply to these introductory balances and any new transactions..
No annual fee: Keep your card part of your cash-back strategy without paying an annual fee.
No foreign transaction fees: Use the card internationally without paying foreign transaction fees.
Card protections: The card comes with a variety of useful protections, including baggage delay reimbursement, cell phone protection, extended warranty protection, purchase security, auto rental coverage, travel accident coverage, and trip interruption coverage.
Best Ways To Earn and Redeem Your Cash-Back Rewards
Use your USAA Eagle Adapt card for purchases that fall within the 3% back categories on up to $3,000 in combined spend per quarter. These include:
Dining, including takeout and delivery services
Gas and electric vehicle charging stations, including gas stations and vehicle charging stations
Groceries, including supermarkets, grocery stores, dairy markets, and bakeries
Health and wellness, including pharmacies, drug stores, fitness centers, and membership clubs
Home improvement and home furnishing, including home supply warehouse stores, hardware stores, and home furnishings
Live entertainment and streaming services, including sporting events, concerts, live theater productions, bands, orchestras, cable, satellite, and streaming service providers
Transit, including rideshares, taxis, limousines, car services, ferries, commuter railways, subways, passenger railways, bridges, road tolls, parking lots and garages, and bus lines
Travel, including airlines, hotels, car rentals, cruise lines, and travel agencies
Once you’ve met the $3,000 quarterly threshold, you’ll earn 1% back on purchases in these categories thereafter, plus 1% cash-back on all other purchases.
You can redeem your cash-back rewards toward travel purchases, for merchandise, gift cards, charitable contributions, a statement credit, or as an electronic deposit to your eligible USAA account.
If you’re a USAA member who’d prefer a travel rewards card, then the USAA Eagle Navigator® Credit Card would likely suit you better. It earns 3x points on travel and transit purchases and 2x points on all other purchases. It also offers a variety of useful perks, including a Global Entry or TSA PreCheck credit, 10,000 annual bonus points after booking a hotel or rental car through the USAA Rewards Center, cell phone protection, purchase protection, and auto rental coverage.
If you want to maximize your cash-back rewards, the Capital One Savor cardInformation collected independently. Not reviewed by Capital One. is another great card option that has a $0 annual fee.
It earns 8% cash-back on Capital One Entertainment purchases, 5% cash-back on hotels, rental cars, and vacation rentals booked through Capital One Travel, and an uncapped 3% cash-back on dining, entertainment, popular streaming services, and at grocery stores.
