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  1. Credit Cards
  2. Eagle Adapt™
USAA

Eagle Adapt™

The USAA Eagle Adapt card is built for military members and eligible family members seeking a simple, no-annual-fee card backed by strong insurance protections. While its ongoing reward rate is modest, its real value lies in its exceptional suite of travel and purchase safeguards.

Welcome Offer
$200
Annual Fee
$0
Rec. Credit Score
Good
Good For
USAA members wanting strong card protections
How to ApplyEstimate your value
Eagle Adapt™

All information about Eagle Adapt™ has been collected independently by MaxRewards. Eagle Adapt™ is no longer available through MaxRewards.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Eagle Adapt™ worth it?

This card is great for...

Built-in travel and phone insurance

Fee-free international travel

Simple flat-rate cash back

For a card with no annual fee, the Eagle Adapt punches well above its weight class in cardholder protections. You get cell phone coverage, trip cancellation insurance, baggage delay reimbursement, purchase security, and auto rental coverage, alongside no foreign transaction fees. These features are rarely found together on a zero-fee card, making it a reliable financial safety net for travel and everyday shopping.

The tradeoff comes in the earning structure. A flat 1% cash back across all spending is standard, but many competing no-fee cash-back cards offer 1.5% to 2% back on everyday purchases. If your priority is maximizing cash rewards on every dollar, you will earn more elsewhere. However, if you value USAA customer service and want comprehensive insurance coverage without an annual fee, this card easily earns a spot in your wallet.

MaxRewards

MaxRewards Verdict

This card is an excellent zero-fee protection option for USAA members, though pure reward maximizers may find the 1% flat cash-back rate limiting.

Welcome Offer

$200

after you spend $1,000 on purchases on your new card in your first 3 months of card membership.

Est. Value

$200

Required Spend

$1,000

Time Frame

3 Months

Est. Value

$200

Required Spend

$1,000

Time Frame

3 Months

Earning

Rewards

Earning cash back with this card is entirely straightforward, offering a flat cash-back rate on every purchase without rotating categories or tracking requirements.

CategoryRate

Grocery

Oct 1 – Dec 31 · Up to $3,000 in spend

3%

Everywhere

1%

Benefits

Insurance

Auto Rental Collision Damage Waiver

Get built-in car rental coverage worldwide on rentals up to 31 days when you reserve and pay for your rental car with your USAA Bank credit card. To be eligible, decline the collision damage waiver coverage offered by the rental agency. In your country of residence, this coverage is secondary to any other insurance or coverage available to you.


Baggage Delay Reimbursement

If your checked baggage is delayed, you can be reimbursed up to $100 a day, for up to 3 days. Get the essentials you need like clothing and toiletries while waiting for your bags to arrive. To be eligible, pay for your passenger fare with your USAA Bank credit card and report delayed baggage to your common carrier and begin their claim process.


Travel Accident Insurance

When you purchase your travel ticket with your USAA Bank credit card, you’re eligible to receive coverage for loss of life or limb. This coverage applies to air travel, ferry, cruise ship, train or bus transportation.


Travel and Emergency Assistance Services

If you get sick or have an emergency while traveling or working anywhere in the world, call the benefits center for help, 24/7. Get medical and legal referrals, prescription assistance and more.


Cell Phone Protection

If your eligible phone is stolen or damaged, you can be reimbursed up to $500 when you pay your monthly cell phone bill using your USAA Bank credit card.

Benefits

Other

Trip Cancellation and Interruption

You’re covered for up to $1,500 per covered person, for non-refundable prepaid passenger fare, when your travel is interrupted or canceled. This coverage is available when you buy your ticket with your USAA Bank credit card.


Purchase Security

This protects your new purchases against theft or damage for 90 days after you buy them with a USAA Bank credit card or with USAA Rewards. It can replace, repair or reimburse you up to $1,000 per claim and up to $10,000 per cardholder.

Eligibility

Recommended Minimum Credit

Min: Good
Poor
Fair
Good
Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing

Rates & Fees

Annual Fee

$0

Purchase APR

15.40% - 27.40%

Variable

Transfer APR

15.40% - 27.40%

Variable

Cash Advance APR

27.40%

Variable

Foreign Transaction Fee

None

Balance Transfer

$0.05

Cash Advance

$0.05

Late Payment

$35

Return Payment

$35

Table of Contents

Eagle Adapt™

Eagle Adapt™

How to Apply

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

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50,000 Points

Worth $500

After you spend $3,000 on purchases on your new card in your first 3 months of card membership.

  • 1.5%3%Travel
  • 1.5%2%Everywhere

Annual Fee

$95

Rec. Credit

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Cashback Rewards Plus American Express®Cashback Rewards Plus American Express®

$200

After you spend $1,000 on purchases on your new card in your first 3 months of card membership.

  • 1.5%5%Gas
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Annual Fee

$0

Rec. Credit

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Preferred Cash Rewards Visa Signature®Preferred Cash Rewards Visa Signature®

$200

After you spend $1,000 on purchases on your new card in your first 3 months of card membership.

  • 1.5%1.5%Everywhere

Annual Fee

$0

Rec. Credit

Good

View card details