- Click APPLY NOW to apply online.
- Must be a USAA® member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
- 2% unlimited cash back on your top eligible spend category each month, including gas & electric vehicle charging stations, groceries, dining, live entertainment & streaming services, home improvement & home furnishings, travel, transit, and health & wellness
- 1% unlimited cash back on other purchases.
- Get a one-time statement credit up to $98 (plus applicable taxes) for an annual Walmart+ membership. Walmart+ includes Free Delivery, Gas Savings, Free Pharmacy Delivery, and so much more.
- Credit limit increase review in as few as six months when you make on-time payments.
- Automatic late fee waiver every 12 months.
- No annual fee.
- No foreign transaction fees.
- A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
- 27.40% variable regular APR.
- Terms and restrictions apply. See the Reward Terms and Conditions and Walmart+ Offer Terms and Conditions on USAA's website for details.
- See Rates and Fees for details.
- Rates & Fees
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
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Annual Fee$0
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Welcome OfferN/A
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Rewards Rate1% - 2% cash back
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Credit Needed
Bottom Line
HIGHLIGHTS
Additional Details
Card Fees
- Foreign Transaction Fee: None
- Balance Transfer Fee: 5% of transaction amount
- Penalty APR: N/A
Ongoing Information
- Rewards Rate: 2% unlimited cash back on your top eligible spend category each month, including gas stations, groceries, dining and more. 1% unlimited cash back on other purchases.
- Annual Fee: $0
Expert Reviews
From the CompareCards.com Editorial Team, updated on Jun 12, 2026
Expert Reviews of USAA® Eagle Ascend™ Credit Card
The Bottom Line
The Good
The Not so Good
Editorial Note: This content is not provided by USAA. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by USAA.
Consumer Reviews
OFFER RATING
/5.0
Related Card Offers
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Annual Fee$0
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Welcome Offer250 dollars
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Rewards Rate1.5% cash back
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Credit Needed
Bottom Line
This card offers a simple cash back reward program with no limits on the amount of rewards you can earn. If you're looking for a hassle-free card from USAA Federal Savings Bank that offers generous rewards, the USAA Preferred Cash Rewards Credit Card is the one for you.
Our Take
The Good
The cash back is unlimited with this card and you don't have to worry about rotating categories. Also, you'll enjoy a long list of Visa Signature perks and benefits.
The Not So Good
There's no intro APR with this card.
HIGHLIGHTS
- Click APPLY NOW to apply online.
- Must be a USAA® member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
- Intro Offer: Earn a $250 reward bonus after spending $1,000 on qualifying purchases within 90 days of account opening.
- Earn unlimited 1.5% cash back on purchases, no category restrictions and no caps.
- No annual fee.
- Cash back rewards never expire.
- Redeem cash back your way, on your schedule.
- No foreign transaction fees.
- A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
- 15.40% - 27.40% variable regular APR.
- Terms and Restrictions apply. See the Reward Terms and Conditions on USAA's website for details.
- See Rates and Fees for details.
- Rates & Fees
See Additional Details for USAA Preferred Cash Rewards Credit Card
-
Annual Fee$0
-
Welcome OfferN/A
-
Rewards RateN/A
-
Credit Needed
Bottom Line
Credit cards don't get much simpler than this. There's no fancy rewards program, but cardholders could potentially save a lot of money with the low interest rates offered on this card.
Our Take
The Good
You'll be hard-pressed to find a card with a lower ongoing APR for purchases, balance transfers, and cash advances. Plus there's no annual fee, no foreign transaction fees and no penalty rate.
The Not So Good
If you want to earn rewards on your purchases, this card isn't for you.
HIGHLIGHTS
- Click APPLY NOW to apply online.
- Must be a USAA® member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
- Intro Offer: Get a 0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. After this time, the variable regular APR of 10.40% - 24.40% will apply to introductory balances.
- A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies. If you transfer a balance or write a convenience check to take advantage of the introductory rate offer, you will immediately incur interest on purchases until you pay your balance in full, including any transferred balances.
- No annual fee.
- No foreign transaction fees.
- 10.40% - 24.40% variable regular APR.
- See Rates and Fees for details.
- Rates & Fees
See Additional Details for USAA Rate Advantage Credit Card
Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion.
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