USAA
USAA Eagle Navigator® Visa Signature® Credit Card
Key Features
| Annual Fee | $95.00 |
| Regular APR | 18.40% to 26.65% Variable Regular APR |
| Other Fees | No Foreign Transaction Fees Balance Transfer and Cash Advance fee is 5% of each transaction amount. There is a transaction fee of 5% of the amount of each Balance Transfer, Convenience Check and Cash Advance. The Cash Advance fee is waived when you transfer funds electronically from your USAA credit card to your USAA Bank deposit account. |
| Network | Visa |
About this card
The USAA Eagle Navigator Visa Signature Credit Card is a decent travel card primarily suited for USAA members who value simplicity and brand loyalty. It earns a 3.1 rating overall. Its strengths include a solid rewards rate on travel and transit (3x points), no foreign transaction fees, and benefits like TSA PreCheck/Global Entry credit and bonus points for travel bookings through USAA. However, the $95 annual fee and relatively high APR range (18.40% to 26.65%) detract from its value. While the rewards program is reasonable, it doesn't stand out compared to competitors in the broader travel card market. The card's reputation is closely tied to USAA's strong brand image, but its value proposition is somewhat diminished by the annual fee and APR. Therefore, it's a good card for the specific niche of USAA members but not exceptional in the general credit card landscape.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate on travel and transit
- No foreign transaction fees
- TSA PreCheck or Global Entry credit
Things to consider
- Annual fee
- High regular APR
- Balance transfer fee
What this card offers
Sign-up bonuses
- Earn 30,000 bonus points after spending $3,000 on qualifying purchases within 90 days of account opening.see note 1
Rewards
- 3X points on travel and transit including air, hotel, car and vacation rentals, rideshare, tolls and more
- 2X points on other purchases
Other features
- No Penalty APR
- Up to $120 TSA PreCheck® or Global Entry® credit every four yearssee note 3
- Annual 10,000 bonus points (equals $100 in travel) after booking hotel or car through the USAA Rewards Centersee note 4
- Trip Cancellation and Interruption Coverage
- Auto Rental Collision Damage Waiver Coverage
- Travel Accident Insurance
- Baggage Delay Reimbursement Coverage
- Rely on us — from secure logons to zero liability for unauthorized transactions.see note 6
- Set up a variety of alerts on your mobile device to stay informed.
- Report a lost or stolen card online or in the app.
- Access USAA customer service 24/7 online.
- Take advantage of extended warranty protection on U.S. manufacturers' warranties.see note 7
- Add your card to your phone for fast mobile payments or checkouts.