USAA
USAA Eagle Adapt™ Credit Card
Cash back only
Annual fee
No annual fee
Welcome bonus
$200 after $1,000 in 90 days
Min spend
$1,000 in 90 days
Recommended credit
Good (670+)
Offer last verified July 14, 2026. How we verify.
Earning rates
3% cash back on a broad set of everyday categories, up to $3,000 combined per quarter, then 1%
1% cash back on everything else
0% intro APR on balance transfers for 15 months
Features & benefits
$200 welcome bonus after $1,000 in 90 days
No annual fee and no foreign transaction fee
Requires USAA membership (military affiliation)
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the USAA Eagle Adapt™ Credit Card lands.
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