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Carissa served in the U.S. Air Force where she developed her love for travel and new cultures. She started her own blog and eventually joined The Points Guy. Since then, she’s contributed to Business ...
Michael Y. Park is a journalist living in New York City. He’s traveled through Afghanistan disguised as a Hazara Shi’ite, slept with polar bears on the Canadian tundra, picnicked with the king and que...
Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...
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The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
3
Apply Now(at USAA's secure site. Must be a USAA member, or become a member, to apply.)
30,000 points
$95
19.40% to 27.65% variable regular
Good to Excellent (670-850)
USAA Eagle Navigator® Credit Card
The USAA Eagle Navigator® Credit Card earns 3x on travel purchases, including tolls, rideshares, hotels, vacation rentals, flights, and more!
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
3
Apply Now(at USAA's secure site. Must be a USAA member, or become a member, to apply.)
Card Details
Card Snapshot
Welcome Bonus & Info
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 30,000 bonus points ($300 travel value) after spending $3,000 on qualifying purchases within 90 days of account opening.
3X points on travel purchases – triple your points on tolls, rideshares, hotels, vacation rentals, flights and more.
2X points on everyday purchases – double your points on groceries, gas, dining, bills and more
Earn a one-time $95 statement credit when you make your first purchase within 90 days of account opening
Earn 10,000 bonus points every year – applies after you complete eligible hotel or car booking. That’s equal to a $100 travel value.
Up to $120 credit towards TSA PreCheck® or Global Entry® fee every four years.
Enjoy valuable travel benefits and protection, including Auto Rental Coverage, Travel Accident Coverage, Trip Interruption Coverage, Baggage Delay Reimbursement, Purchase Security and Cell Phone Protection.
Points never expire for the life of the account and there are no spend caps on point earning.
Redeem points 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.
19.40% to 27.65% variable regular APR.
$95 annual fee.
See Rates and Fees for details.
Terms and Restrictions apply. See the Guide to Benefits and Reward Terms and Conditions on USAA’s website for details.
Pros & Cons
Pros
3x points on travel purchases
2x points on all other purchases, such as groceries, gas, and utilities
No foreign transaction fees
Cons
Annual fee of $95
No point transfer travel partners
Upgraded Points: Expertise You Can Trust
Our seasoned and experienced team brings years of expertise in the credit card and travel sectors. Committed to integrity, we offer data-driven guides to help you find the card(s) that best fit your requirements. See details on our intensive editorial policies and card rating methodologies.
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First-Hand Credit Card Experience
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Methodical “U.P. Rating
The U.P. Rating System
The ratings for these cards have been determined
by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards
as well as rates and fees are all taken into account. Compensation from the issuer does not affect
our rating. We only recommend products we either use ourselves or endorse.
” System
1094+ Expert Credit Card Guides
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).
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 CardInformation collected independently. Not reviewed by Capital One.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.
The information regarding the Capital One Venture Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
