USAA Eagle Ascend™
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How we calculate effective rate →
The USAA Eagle Ascend™ from USAA earns up to 2% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 2%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 2% back.
What does the USAA Eagle Ascend™ earn in each category?
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,857 cards we track in that category. The five-category effective-rate table on this page shows how USAA Eagle Ascend™ compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,857 cards we track in that category. The five-category effective-rate table on this page shows how USAA Eagle Ascend™ compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2% back | 2% Top category |
| Grocery Supermarkets and grocery stores | 2% back | 2% |
| Gas Gas stations and fuel | 2% back | 2% |
| Travel Flights, hotels, transit | 2% back | 2% |
| Other General everyday spend | 2% back | 2% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the USAA Eagle Ascend™ reward caps and conditions?
The USAA Eagle Ascend™ has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 2% cash back on your top eligible spend category each month, including gas stations, groceries, dining and more., dining, home improvement and more.
Who should get the USAA Eagle Ascend™?
The USAA Eagle Ascend™ fits spenders who put meaningful volume in dining and can earn 2% back. Best for spenders who put meaningful volume in dining and can earn 2% back.
USAA Eagle Ascend™ fits spenders who put meaningful volume in dining and can earn 2% back. Madeen ranks its dining effective rate higher than about 59% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2% back.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 2% effective (2% back).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Compare simpler no-fee cards if you want minimum complexity.
Does the USAA Eagle Ascend™ have an annual fee?
The USAA Eagle Ascend™ has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the USAA Eagle Ascend™?
The USAA Eagle Ascend™ includes Travel Benefits, Travel Benefits, Travel Benefits in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Travel Benefits
Auto Rental Coverage
Travel Benefits
Baggage Delay and Reimbursement
Travel Benefits
Travel Accident Insurance
Travel Benefits
Trip Cancellation and Interruption Coverage
Related encyclopedia topics
Common questions about the USAA Eagle Ascend™
Does the USAA Eagle Ascend™ have an annual fee?
The USAA Eagle Ascend™ carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the USAA Eagle Ascend™?
Dining is the strongest Madeen category for the USAA Eagle Ascend™ at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the USAA Eagle Ascend™ charge foreign transaction fees?
The USAA Eagle Ascend™ does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What credit score do you need for the USAA Eagle Ascend™?
Madeen's catalog lists a typical credit range of Good for the USAA Eagle Ascend™. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the USAA Eagle Ascend™?
Rewards on the USAA Eagle Ascend™ post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How do I maximize rewards on the USAA Eagle Ascend™?
To maximize the USAA Eagle Ascend™, route dining and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout.
How does the USAA Eagle Ascend™ compare to similar cards?
Compare the USAA Eagle Ascend™ against USAA Eagle Adapt™ (3% on Dining, $0 fee); USAA Rewards™ American Express (3% on Dining, $0 fee); USAA Limitless™ Cashback Rewards (2.5% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
USAA Eagle Ascend™ This card | Dining | 2% | $0 |
| Dining | 3% | $0 | |
| Dining | 3% | $0 | |
| Dining | 2.5% | $0 | |
| Dining | 2% | $95 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
Related Madeen guides
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
USAA and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of USAA. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure