Great Card If
- You’re a USAA member
- You travel often
Don’t Get If
- You prefer a card that earns transferable rewards
- You don’t want to pay an annual fee
USAA Eagle Navigator® Credit Card — Is It Worth It?
If you’re a USAA member who travels often, then the USAA Eagle Navigator® Credit Card will likely be worth it. Not only does it earn bonus points on travel and transit, including air, hotel, car, vacation rentals, rideshare, and tolls, but it also comes with perks like a Global Entry or TSA PreCheck credit, rental car insurance, no foreign transaction fees, and an annual 10,000 bonus points (equal to $100 in travel) after booking a hotel or car through the USAA Rravel Center.
USAA Eagle Navigator® Credit Card Top Benefits and Perks
Here is a full list of the best benefits and perks you can expect from the USAA Eagle Navigator® Credit Card:
- Annual bonus points: Receive 10,000 after booking a hotel or rental car through the USAA Rewards Center.
- Global Entry or TSA PreCheck credit: Use this credit to get an expedited security experience when traveling within and returning to the U.S.
- Cell phone protection: When you charge your monthly cell phone bill to your USAA credit card, you can be reimbursed up to $500 if your eligible cell phone is stolen or damaged.
- Purchase protection: Purchases made with your card are covered within the first 90 days from the date of purchase for up to $1,000 per claim and $10,000 per cardholder in the event of theft or damage.
- Rental car insurance: Receive secondary coverage in the event of accidental damage to your rental car.
- Trip cancellation interruption insurance: When your travel is interrupted or canceled, you’re covered for up to $1,500 per covered person for nonrefundable prepaid passenger fare.
- Travel accident insurance: You can receive coverage if you suffer the loss of life, limb, hearing, speech, or sight during your travels, with benefits of up to $500,000.
- Baggage delay reimbursement: If your checked baggage is delayed, you can be reimbursed up to $100 a day for up to 3 days.
- Extended warranty protection: You can extend an original manufacturer’s warranty of 3 years or less for up to 1 additional year.
- No foreign transaction fees: Continue to use your card overseas and keep racking up rewards, without accruing any additional fees.
Best Ways To Earn and Redeem Your USAA Rewards
To earn more rewards, try using your USAA Eagle Navigator® Credit Card for everyday purchases, especially on travel and transit purchases, where you’ll earn 3x points and 2x points on all other purchases.
Once you’re ready to redeem your points, you can opt for cash-back, gift cards, merchandise, or charity contributions. However, these offer a much lower redemption rate than you’ll receive through the USAA Travel Center, where your rewards are worth 1 cent per point toward any travel purchase.
Alternative Cards to the USAA Eagle Navigator® Credit Card
If you’re a frequent traveler and prefer transferable rewards, the Chase Sapphire Preferred card should be high on your shortlist.
The card earns 5x points on all travel booked via the Chase Travel portal, 3x points on dining purchases, online grocery purchases, and select streaming services, along with 2x points on all other travel worldwide.
It also has other great benefits, like a $50 annual Chase Travel hotel credit, travel and purchase protections, 10% annual bonus points, a complimentary DoorDash DashPass membership, and access to the Chase transfer partners.
Frequent travelers should consider the Capital One Venture card, which offers 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel and uncapped 2x miles on all other purchases.
The card also offers a Global Entry or TSA PreCheck credit, a $50 experience credit with every hotel and vacation rental booked from the Capital One Lifestyle Collection, purchase assurance, rental car insurance, and access to the Capital One transfer partners.
