Cards by issuer · October 2026
Best USAA credit cards, ranked
We track 5 USAA credit cards in our database (store-only cards excluded), and this page ranks every one of them by the same overall score we use across YourBestCards. Annual fees run from $0 to $95 (the Eagle Navigator Credit Card), and 4 of the 5 charge no annual fee. By type, the lineup includes 4 cash back, 2 travel, 2 intro-APR and 1 hotel cards (a card can carry more than one tag). Networks: American Express (3) and Visa (2).
Right now the highest-scoring USAA card is the Eagle Ascend™ Credit Card (score 83, #3 of 242 cards overall), followed by the Eagle Adapt™ Credit Card (63) and the USAA® Cashback Rewards Plus American Express® Credit Card (56). 4 of these cards list a welcome offer in our data and 2 list an intro APR period.
All 5 USAA cards by score
- 2% cash back on your top eligible spend category each month, including gas stations, groceries, dining and more
- 1% cash back on other purchases
- Annual fee
- $0
- Welcome offer
- Get a one-time statement credit up to $98 (plus applicable taxes) for an annual Walmart+ membership.
- #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.
How we rank USAA cards
The order is our overall card score (final blended score), the same number the home page ranks by. It weighs rewards value at typical spending, the welcome offer, fees and credits, intro APR terms and approval odds; see our methodology. Store-only cards are left out, and duplicate listings of the same card are shown once. Card details come from our database, checked against USAA’s own site; fees and offers are shown as stored and terms apply. Issuers can’t pay to be included or ranked higher.
Frequently asked questions
How many USAA credit cards does YourBestCards rank?
5 cards, excluding store-only cards. Each is scored with the same overall score used across the site; this page lists them from the highest score to the lowest.
Which USAA credit card ranks highest?
The Eagle Ascend Credit Card, with an overall score of 83 (#3 of 242 cards we rank). Next is the Eagle Adapt Credit Card (63).
Which USAA credit cards have no annual fee?
4 of them: Eagle Ascend Credit Card, Eagle Adapt Credit Card, USAA Cashback Rewards Plus American Express Credit Card and USAA Rewards American Express Credit Card.
Do any USAA credit cards have an intro APR?
2 list an intro APR period in our data: Eagle Adapt Credit Card (purchases 20 months · balance transfers 20 months) and USAA Cashback Rewards Plus American Express Credit Card (balance transfers 20 months). Terms apply; check the issuer’s site for the current rate and fees.
What is the highest annual fee on a USAA card?
$95, on the Eagle Navigator Credit Card.
Other card issuers
- Chase credit cards (41)
- American Express credit cards (26)
- Bank of America credit cards (24)
- Barclays credit cards (22)
- Capital One credit cards (20)
- Citi credit cards (13)
- U.S. Bank credit cards (12)
- Navy Federal Credit Union credit cards (9)
- Synchrony credit cards (6)
- TD Bank credit cards (6)
- Wells Fargo credit cards (7)
- All card issuers
Rankings by card type: cash back · travel · business · 0% intro APR · no annual fee · premium travel · sign-up bonuses.