pointslip milestomorrow.com

USAA Cashback Rewards Plus American Express vs Eagle Adapt Visa

Both are USAA cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Cashback Rewards Plus American Express 1.0% 1% base rate
  2. Eagle Adapt Visa 1.0% 1% base rate

Dining

  1. Eagle Adapt Visa 3.0% 3%
  2. Cashback Rewards Plus American Express 1.0% 1% base rate

Groceries

  1. Cashback Rewards Plus American Express 3.0% 3%, capped
  2. Eagle Adapt Visa 3.0% 3%

Gas

  1. Cashback Rewards Plus American Express 5.0% 5%, capped
  2. Eagle Adapt Visa 3.0% 3%

Travel

  1. Eagle Adapt Visa 3.0% 3%
  2. Cashback Rewards Plus American Express 1.0% 1% base rate

Ground transportation

  1. Eagle Adapt Visa 3.0% 3%
  2. Cashback Rewards Plus American Express 1.0% 1% base rate

Streaming

  1. Eagle Adapt Visa 3.0% 3%
  2. Cashback Rewards Plus American Express 1.0% 1% base rate

Furniture stores

  1. Eagle Adapt Visa 3.0% 3%
  2. Cashback Rewards Plus American Express 1.0% 1% base rate

Home improvement

  1. Eagle Adapt Visa 3.0% 3%
  2. Cashback Rewards Plus American Express 1.0% 1% base rate

Gyms

  1. Eagle Adapt Visa 3.0% 3%
  2. Cashback Rewards Plus American Express 1.0% 1% base rate

Live events

  1. Eagle Adapt Visa 3.0% 3%
  2. Cashback Rewards Plus American Express 1.0% 1% base rate

What the numbers are doing

Cashback Rewards Plus American Express's 5% on gas runs out: it applies to the first $3,000 of gas spend a year, and everything past that earns 1%.

Where they differ: Eagle Adapt Visa takes dining, travel, ground transportation and streaming, plus 4 more; Cashback Rewards Plus American Express takes gas.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseCashback Rewards Plus American Express1.0%
DiningEagle Adapt Visa3.0%
GroceriesCashback Rewards Plus American Express3.0%
GasCashback Rewards Plus American Express5.0%
TravelEagle Adapt Visa3.0%
Ground transportationEagle Adapt Visa3.0%
StreamingEagle Adapt Visa3.0%
Furniture storesEagle Adapt Visa3.0%
Home improvementEagle Adapt Visa3.0%
GymsEagle Adapt Visa3.0%
Live eventsEagle Adapt Visa3.0%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Cashback Rewards Plus American Express — 1.0%
  2. Eagle Adapt Visa — 1.0%

Dining

  1. Eagle Adapt Visa — 3.0%
  2. Cashback Rewards Plus American Express — 1.0%

Groceries

  1. Cashback Rewards Plus American Express — 3.0%
  2. Eagle Adapt Visa — 3.0%

Gas

  1. Cashback Rewards Plus American Express — 5.0%
  2. Eagle Adapt Visa — 3.0%

Travel

  1. Eagle Adapt Visa — 3.0%
  2. Cashback Rewards Plus American Express — 1.0%

Ground transportation

  1. Eagle Adapt Visa — 3.0%
  2. Cashback Rewards Plus American Express — 1.0%

Streaming

  1. Eagle Adapt Visa — 3.0%
  2. Cashback Rewards Plus American Express — 1.0%

Furniture stores

  1. Eagle Adapt Visa — 3.0%
  2. Cashback Rewards Plus American Express — 1.0%

Home improvement

  1. Eagle Adapt Visa — 3.0%
  2. Cashback Rewards Plus American Express — 1.0%

Gyms

  1. Eagle Adapt Visa — 3.0%
  2. Cashback Rewards Plus American Express — 1.0%

Live events

  1. Eagle Adapt Visa — 3.0%
  2. Cashback Rewards Plus American Express — 1.0%
Add to Apple Wallet

This link hands the pass straight to Wallet, no app and no account — its first three rows; the app unlocks every row.

iPhone app · not yet released

Preview this set of cards. The first three rows are free, whatever cards you hold; every row and every feature is $9.99 once, in the app. See the free combos.

Open this ranking in the generator

A cheat sheet in your Wallet that tells you which card to use. No account, no bank linking, no subscription.