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USAA Eagle Adapt Visa vs Preferred Cash Rewards 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. Preferred Cash Rewards Visa Signature 1.5% 1.5% base rate
  2. Eagle Adapt Visa 1.0% 1% base rate

Dining

  1. Eagle Adapt Visa 3.0% 3%
  2. Preferred Cash Rewards Visa Signature 1.5% 1.5% base rate

Groceries

  1. Eagle Adapt Visa 3.0% 3%
  2. Preferred Cash Rewards Visa Signature 1.5% 1.5% base rate

Gas

  1. Eagle Adapt Visa 3.0% 3%
  2. Preferred Cash Rewards Visa Signature 1.5% 1.5% base rate

Travel

  1. Eagle Adapt Visa 3.0% 3%
  2. Preferred Cash Rewards Visa Signature 1.5% 1.5% base rate

Ground transportation

  1. Eagle Adapt Visa 3.0% 3%
  2. Preferred Cash Rewards Visa Signature 1.5% 1.5% base rate

Streaming

  1. Eagle Adapt Visa 3.0% 3%
  2. Preferred Cash Rewards Visa Signature 1.5% 1.5% base rate

Furniture stores

  1. Eagle Adapt Visa 3.0% 3%
  2. Preferred Cash Rewards Visa Signature 1.5% 1.5% base rate

Home improvement

  1. Eagle Adapt Visa 3.0% 3%
  2. Preferred Cash Rewards Visa Signature 1.5% 1.5% base rate

Gyms

  1. Eagle Adapt Visa 3.0% 3%
  2. Preferred Cash Rewards Visa Signature 1.5% 1.5% base rate

Live events

  1. Eagle Adapt Visa 3.0% 3%
  2. Preferred Cash Rewards Visa Signature 1.5% 1.5% base rate

What the numbers are doing

Where they differ: Preferred Cash Rewards Visa Signature takes everything else; Eagle Adapt Visa takes dining, groceries, gas and travel, plus 6 more.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elsePreferred Cash Rewards Visa Signature1.5%
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. Preferred Cash Rewards Visa Signature — 1.5%
  2. Eagle Adapt Visa — 1.0%

Dining

  1. Eagle Adapt Visa — 3.0%
  2. Preferred Cash Rewards Visa Signature — 1.5%

Groceries

  1. Eagle Adapt Visa — 3.0%
  2. Preferred Cash Rewards Visa Signature — 1.5%

Gas

  1. Eagle Adapt Visa — 3.0%
  2. Preferred Cash Rewards Visa Signature — 1.5%

Travel

  1. Eagle Adapt Visa — 3.0%
  2. Preferred Cash Rewards Visa Signature — 1.5%

Ground transportation

  1. Eagle Adapt Visa — 3.0%
  2. Preferred Cash Rewards Visa Signature — 1.5%

Streaming

  1. Eagle Adapt Visa — 3.0%
  2. Preferred Cash Rewards Visa Signature — 1.5%

Furniture stores

  1. Eagle Adapt Visa — 3.0%
  2. Preferred Cash Rewards Visa Signature — 1.5%

Home improvement

  1. Eagle Adapt Visa — 3.0%
  2. Preferred Cash Rewards Visa Signature — 1.5%

Gyms

  1. Eagle Adapt Visa — 3.0%
  2. Preferred Cash Rewards Visa Signature — 1.5%

Live events

  1. Eagle Adapt Visa — 3.0%
  2. Preferred Cash Rewards Visa Signature — 1.5%
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