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USAA Eagle Adapt Visa vs Eagle Navigator Visa Signature

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 Navigator Visa Signature 2.0% 2x base rate
  2. Eagle Adapt Visa 1.0% 1% base rate

Dining

  1. Eagle Adapt Visa 3.0% 3%
  2. Eagle Navigator Visa Signature 2.0% 2x base rate

Groceries

  1. Eagle Adapt Visa 3.0% 3%
  2. Eagle Navigator Visa Signature 2.0% 2x base rate

Gas

  1. Eagle Adapt Visa 3.0% 3%
  2. Eagle Navigator Visa Signature 2.0% 2x base rate

Travel

  1. Eagle Adapt Visa 3.0% 3%
  2. Eagle Navigator Visa Signature 3.0% 3x

Ground transportation

  1. Eagle Adapt Visa 3.0% 3%
  2. Eagle Navigator Visa Signature 3.0% 3x

Streaming

  1. Eagle Adapt Visa 3.0% 3%
  2. Eagle Navigator Visa Signature 2.0% 2x base rate

Furniture stores

  1. Eagle Adapt Visa 3.0% 3%
  2. Eagle Navigator Visa Signature 2.0% 2x base rate

Home improvement

  1. Eagle Adapt Visa 3.0% 3%
  2. Eagle Navigator Visa Signature 2.0% 2x base rate

Gyms

  1. Eagle Adapt Visa 3.0% 3%
  2. Eagle Navigator Visa Signature 2.0% 2x base rate

Live events

  1. Eagle Adapt Visa 3.0% 3%
  2. Eagle Navigator Visa Signature 2.0% 2x base rate

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge Eagle Adapt Visa $0 and Eagle Navigator Visa Signature $95 a year, so a thin lead in one category may not cover the difference.

Where they differ: Eagle Navigator Visa Signature takes everything else; Eagle Adapt Visa takes dining, groceries, gas and streaming, plus 4 more.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseEagle Navigator Visa Signature2.0%
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 Navigator Visa Signature — 2.0%
  2. Eagle Adapt Visa — 1.0%

Dining

  1. Eagle Adapt Visa — 3.0%
  2. Eagle Navigator Visa Signature — 2.0%

Groceries

  1. Eagle Adapt Visa — 3.0%
  2. Eagle Navigator Visa Signature — 2.0%

Gas

  1. Eagle Adapt Visa — 3.0%
  2. Eagle Navigator Visa Signature — 2.0%

Travel

  1. Eagle Adapt Visa — 3.0%
  2. Eagle Navigator Visa Signature — 3.0%

Ground transportation

  1. Eagle Adapt Visa — 3.0%
  2. Eagle Navigator Visa Signature — 3.0%

Streaming

  1. Eagle Adapt Visa — 3.0%
  2. Eagle Navigator Visa Signature — 2.0%

Furniture stores

  1. Eagle Adapt Visa — 3.0%
  2. Eagle Navigator Visa Signature — 2.0%

Home improvement

  1. Eagle Adapt Visa — 3.0%
  2. Eagle Navigator Visa Signature — 2.0%

Gyms

  1. Eagle Adapt Visa — 3.0%
  2. Eagle Navigator Visa Signature — 2.0%

Live events

  1. Eagle Adapt Visa — 3.0%
  2. Eagle Navigator Visa Signature — 2.0%
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