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USAA Eagle Adapt Visa vs Rewards 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. Rewards American Express 1.0% 1x base rate

Dining

  1. Eagle Adapt Visa 3.0% 3%
  2. Rewards American Express 3.0% 3x

Groceries

  1. Eagle Adapt Visa 3.0% 3%
  2. Rewards American Express 2.0% 2x

Gas

  1. Eagle Adapt Visa 3.0% 3%
  2. Rewards American Express 2.0% 2x

Travel

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

Ground transportation

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

Streaming

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

Furniture stores

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

Home improvement

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

Gyms

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

Live events

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

What the numbers are doing

Where they differ: Eagle Adapt Visa takes groceries, gas, travel and ground transportation, plus 5 more. Rewards 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. Rewards American Express — 1.0%

Dining

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

Groceries

  1. Eagle Adapt Visa — 3.0%
  2. Rewards American Express — 2.0%

Gas

  1. Eagle Adapt Visa — 3.0%
  2. Rewards American Express — 2.0%

Travel

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

Ground transportation

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

Streaming

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

Furniture stores

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

Home improvement

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

Gyms

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

Live events

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