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  1. Credit Cards
  2. Eagle Ascend™
USAA

Eagle Ascend™

The USAA Eagle Ascend is built for USAA members who want a simple, low-maintenance cash back card with flexible earnings. It functions best as an everyday spending card that pairs basic cash rewards with extensive travel and purchase protections.

Annual Fee
$0
Rec. Credit Score
Good
Good For
USAA members wanting flexible cash back
How to ApplyEstimate your value
Eagle Ascend™

All information about Eagle Ascend™ has been collected independently by MaxRewards. Eagle Ascend™ 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 Ascend™ worth it?

This card is great for...

Customized cash back categories

No foreign transaction fee spending

Cell phone and travel protections

For eligible USAA members seeking a no-annual-fee card, the Eagle Ascend delivers broad value through a mix of customizable cash back and exceptional protection benefits. Earning 2% back on your choice of category paired with 1% on all other purchases provides straightforward cash back without complicated redemption rules. The standout feature is its suite of coverage benefits, including cell phone protection, trip cancellation coverage, and baggage delay reimbursement, which are rarely found on cards without an annual fee. Cardholders who spend heavily outside their chosen 2% category may find a flat-rate 2% cash back card yields higher net rewards over time. Additionally, the absence of a welcome bonus means there is no upfront payout to kickstart your earnings. Even so, it remains a strong choice for military families who want dependable insurance coverage alongside easy everyday rewards.

MaxRewards

MaxRewards Verdict

The USAA Eagle Ascend is a dependable, no-fee cash back card that excels in built-in travel and phone protections, though flat-rate cash back seekers may prefer higher baseline earning rates.

Earning

Rewards

Earning rewards is straightforward, featuring a flexible structure that adapts to your spending habits.

CategoryRate

Choice

2%

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

27.40%

Variable

Transfer APR

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 Ascend™

Eagle Ascend™

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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Annual Fee

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Rec. Credit

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Annual Fee

$0

Rec. Credit

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$200

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

  • 3%1%Everywhere

Annual Fee

$0

Rec. Credit

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View card details