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USAA Eagle Adapt Visa vs Eagle Ascend American Express

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. Eagle Adapt Visa 1.0% 1% base rate
  2. Eagle Ascend American Express 1.0% 1% base rate

Dining

  1. Eagle Adapt Visa 3.0% 3%
  2. Eagle Ascend American Express 1.0% 1% base rate

Groceries

  1. Eagle Adapt Visa 3.0% 3%
  2. Eagle Ascend American Express 1.0% 1% base rate

Gas

  1. Eagle Adapt Visa 3.0% 3%
  2. Eagle Ascend American Express 1.0% 1% base rate

Travel

  1. Eagle Adapt Visa 3.0% 3%
  2. Eagle Ascend American Express 1.0% 1% base rate

Ground transportation

  1. Eagle Adapt Visa 3.0% 3%
  2. Eagle Ascend American Express 1.0% 1% base rate

Streaming

  1. Eagle Adapt Visa 3.0% 3%
  2. Eagle Ascend American Express 1.0% 1% base rate

Furniture stores

  1. Eagle Adapt Visa 3.0% 3%
  2. Eagle Ascend American Express 1.0% 1% base rate

Home improvement

  1. Eagle Adapt Visa 3.0% 3%
  2. Eagle Ascend American Express 1.0% 1% base rate

Gyms

  1. Eagle Adapt Visa 3.0% 3%
  2. Eagle Ascend American Express 1.0% 1% base rate

Live events

  1. Eagle Adapt Visa 3.0% 3%
  2. Eagle Ascend American Express 1.0% 1% base rate

What the numbers are doing

Eagle Ascend American Express lets you choose one category to earn 2% on. This table assumes nothing is chosen yet, so it earns its base rate everywhere; choose in the generator to see where it lands.

Where they differ: Eagle Adapt Visa takes dining, groceries, gas and travel, plus 6 more. Eagle Ascend American Express wins nothing outright in this wallet.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseEagle Adapt Visa1.0%
DiningEagle Adapt Visa3.0%
GroceriesEagle Adapt Visa3.0%
GasEagle Adapt Visa3.0%
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. Eagle Adapt Visa — 1.0%
  2. Eagle Ascend American Express — 1.0%

Dining

  1. Eagle Adapt Visa — 3.0%
  2. Eagle Ascend American Express — 1.0%

Groceries

  1. Eagle Adapt Visa — 3.0%
  2. Eagle Ascend American Express — 1.0%

Gas

  1. Eagle Adapt Visa — 3.0%
  2. Eagle Ascend American Express — 1.0%

Travel

  1. Eagle Adapt Visa — 3.0%
  2. Eagle Ascend American Express — 1.0%

Ground transportation

  1. Eagle Adapt Visa — 3.0%
  2. Eagle Ascend American Express — 1.0%

Streaming

  1. Eagle Adapt Visa — 3.0%
  2. Eagle Ascend American Express — 1.0%

Furniture stores

  1. Eagle Adapt Visa — 3.0%
  2. Eagle Ascend American Express — 1.0%

Home improvement

  1. Eagle Adapt Visa — 3.0%
  2. Eagle Ascend American Express — 1.0%

Gyms

  1. Eagle Adapt Visa — 3.0%
  2. Eagle Ascend American Express — 1.0%

Live events

  1. Eagle Adapt Visa — 3.0%
  2. Eagle Ascend American Express — 1.0%
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