Eagle Adapt™ Credit Card — USAA is a personal credit card from USAA. The annual fee is No annual fee. The ongoing APR is 15.40% to 27.40% variable after a 0% Introductory APR through your May 2028 billing cycle on Purchases, and on any Balance Transfers and Convenience Checks that post to your account by January 31, 2027 introductory rate. Signup bonus: $200 reward bonus after spending $1,000 on qualifying purchases by January 31, 2027. Rewards: 3% cash back on the first $3,000 in combined quarterly purchases across eligible spend categories (groceries, dining, home improvement and more); 1% on other purchases.