THE CARDTUNED DATABASE
USAA Eagle Adapt Visa Credit Card
Issuer: USAA · Network: Visa
3% cash back on the first $3,000 in combined quarterly purchases across eligible categories; unlimited 1% on other purchases
- Annual fee
- $0
- Foreign transaction fee
- $0
- Intro APR
- 0% intro APR for 15 months on purchases and qualifying balance transfers/convenience checks posted within 90 days of account opening.
- Regular APR
- 16.40%–26.40% variable regular APR after the introductory period
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
Earn a $200 reward bonus after $1,000 in qualifying purchases by November 30, 2026.
- Spending requirement
- $1,000 qualifying purchases
- Time window
- By November 30, 2026
- Published end date
- 2026-11-30
Offer last checked: 2026-09-09
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 3% | cash back on the first $3,000 in combined quarterly purchases across eligible categories |
| Eligible purchases | 1% | Unlimited — on other purchases |
Additional benefits
• $200 bonus after $1,000 by 2026-11-30
• 0% intro APR for 15 months
• No foreign transaction fee
Restrictions to know
3% applies to the first $3,000 in combined eligible-category purchases each quarter; 1% thereafter and on other purchases. Eligible categories include groceries, dining, home improvement/furnishings, gas/EV charging, travel, transit, health/wellness, live entertainment and streaming. A 5% fee applies to balance transfers and convenience checks.
Who can apply
USAA membership and issuer credit approval required.
Credit profile: Good–Excellent