Card details · USAA
Eagle Ascend Credit Card review: fees, rewards and APR
The Eagle Ascend™ Credit Card is a credit card from USAA with a $0 annual fee. By our overall score it ranks #3 of the 242 credit cards we rank (store-only cards excluded), and #1 of 5 USAA cards. It is listed in our credit-building and cash back rankings.
Key facts
- Issuer
- USAA
- Network
- American Express
- Annual fee
- $0
- Welcome offer
- Get a one-time statement credit up to $98 (plus applicable taxes) for an annual Walmart+ membership.
- Our overall score
- 83 (#3 of 242 cards)
Rewards
- 2% cash back on your top eligible spend category each month, including gas stations, groceries, dining and more
- 1% cash back on other purchases
Benefits and notes
Credit limit increase review in as few as six months when you make on-time payments; Get an automatic late fee waiver every 12 months
Where it ranks
- Overall: #3 of 242 cards (score 83)
- USAA credit cards: #1 of 5
- Credit-building cards: #2 of 20 by our credit-building score
- Cash back cards: #40 of 69 by our cash back score
Category positions use the score each category ranking is built on, among the non-store cards tagged with that category in our database; a category page can show fewer cards (for example after filters), so its on-page position can differ slightly.
How we put this page together
Everything on this page comes from our card database (checked against USAA’s own site) as of October 9, 2026: fees, APRs, rewards and the welcome offer are shown as stored, without our own estimates. The score is our overall card score, explained in our methodology. We don’t publish star ratings or user reviews. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
What is the annual fee on the Eagle Ascend Credit Card?
$0, as stored in our database. Confirm the current fee on USAA’s site.
Does the Eagle Ascend Credit Card have a welcome bonus?
Our database lists this offer: Get a one-time statement credit up to $98 (plus applicable taxes) for an annual Walmart+ membership. Offers change often and terms apply.
Does the Eagle Ascend Credit Card have a 0% intro APR?
Our database lists no intro APR offer for this card.
How does the Eagle Ascend Credit Card rank on YourBestCards?
#3 of 242 cards by our overall score (83). In our category lists: #2 of 20 credit-building cards; #40 of 69 cash back cards.
Other top USAA cards
- #2
Eagle Adapt™ Credit Card
Score 63- 3% cash back on your first $3,000 in combined quarterly purchases across eligible spend categories including groceries, dining, gas and travel
- unlimited 1% cash back on other purchases
- Annual fee
- $0
- Welcome offer
- Earn a $200 reward bonus after spending $1,000 on qualifying purchases by November 30, 2026.
- Intro APR
- purchases 20 months · balance transfers 20 months
- #3
USAA® Cashback Rewards Plus American Express® Credit Card
Score 56- 5% cash back on your first $3,000 in gas station purchases yearly
- 3% cash back on your first $3,000 in grocery purchases yearly
- Unlimited 1% cash back on other purchases
- Annual fee
- $0
- Welcome offer
- Earn a $200 reward bonus after spending $1,000 on qualifying purchases by November 30, 2026.
- Intro APR
- balance transfers 20 months
- #4
Eagle Navigator™ Credit Card
Score 50- 3X points on travel and transit including air, hotel, car and vacation rentals, rideshare, tolls and more 2X points on other purchases
- Annual fee
- $95
- Welcome offer
- Earn 30,000 bonus points after spending $3,000 on qualifying purchases by November 30, 2026
- #5
USAA Rewards™ American Express® Credit Card
Score 33- 3X points on dining
- 2X points on groceries
- 2X points at gas stations
- Annual fee
- $0
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.