Great Card If
- You’re a USAA member
- You want to earn no-fuss rewards
- You’ll use your card for travel
Don’t Get If
- You don’t want to pay an annual fee
- You want to earn flexible points
Card Benefits
The USAA Eagle Navigator® Visa Signature® Credit Card comes with quite a few benefits for cardholders, including the ability to earn rewards on your purchases:
- 3x points on travel, including airfare, hotels, rental cars, tolls, ride-shares, vacation rentals, and more
- 2x points spent everywhere else
Along with the points you earn for purchases, you’re entitled to an annual 10,000-bonus-point bonus if you’ve used your card to pay for at least $100 in travel via the USAA Rewards Center.
Plus, you have the option to earn a one-time $95 statement credit when you make your first purchase within 90 days of account opening.
With points worth 1 cent each, these 2 benefits more than account for the card’s $95 annual fee (rates & fees).
Other benefits include:
- Baggage delay reimbursement
- Rental car coverage
- Travel accident insurance
- Trip cancellation and interruption coverage
- No foreign transaction fees (rates & fees)
- Up to $120 TSA PreCheck or Global Entry credit every 4 years
The card also includes shopping protections such as cell phone insurance (up to $500), extended warranty, and 90-day purchase security.
Refer to the credit card benefits guide for the most up-to-date information on all benefits and protections.
Finally, the USAA Eagle Navigator® Credit Card features a welcome bonus offer of 30,000 points after you spend $3,000 on qualifying purchases within 90 days of account opening.
Alternative Card Recommendation
The USAA Eagle Navigator® Credit Card offers strong rewards and credits that outweigh its annual fee, making it a compelling card for many. However, if you’re looking for a card that earns transferable points, let’s talk about one of our favorites.
The Capital One Venture Rewards Credit Card is one such alternative. Like the USAA Eagle Navigator® Credit Card, it charges a $95 annual fee. However, it also earns an unlimited 2x Capital One miles per $1 spent (rates & fees).
While Capital One miles can be redeemed as statement credits at a rate of 1 cent each, their true value lies in their access to hotel and airline transfer partners. This is one reason why we value Capital One miles at 1.8 cents each.
Should You Get the USAA Eagle Navigator® Credit Card?
The USAA Eagle Navigator® Credit Card can be good for those who’d like to earn points on all their purchases but aren’t worried about redeeming rewards for travel. Thanks to a no-fuss redemption system that allows you to get 1 cent per point in value, they’re also easy to use. However, if you’re looking for better rewards or travel benefits, you may want to consider another card.
