USAA
USAA Eagle Navigator® Visa Signature® Credit Card
Key Features
| Annual Fee | $95.00 |
| Sign-up Bonus | 30,000 bonus points |
| Rewards Rate | 2X-3X points |
| Regular APR | 18.40% to 26.65% Variable Regular APR No Penalty APR |
| Other Fees | No Foreign Transaction Fees Balance Transfer and Cash Advance fee is 5% of each transaction amount.see note 5 |
| Network | Visa |
About this card
The USAA Eagle Navigator® Visa Signature® Credit Card earns an excellent overall rating of 4.1 out of 5.0. This card stands out for its exceptionally strong rewards program and annual benefits, which significantly outweigh its $95 annual fee. Cardholders earn a competitive 3X points on travel and transit and an impressive 2X points on all other purchases, making it highly rewarding for everyday spending as well as travel. A key differentiator is the combination of up to $120 in TSA PreCheck® or Global Entry® credit every four years and an annual 10,000 bonus points ($100 in travel value) for booking through the USAA Rewards Center. These perks total at least $130 in annual value, effectively providing a net positive value that more than offsets the $95 annual fee, making the card 'free' for active users. The absence of foreign transaction fees is another crucial advantage for a travel card. Furthermore, the card is backed by USAA's strong reputation for customer service and trust, particularly within the military community, and offers comprehensive travel protections. While its regular APR range of 18.40% to 26.65% is notably high, and the 5% fees for balance transfers and cash advances are significant drawbacks, these are less impactful for responsible cardholders with 'Very Good' credit who typically pay their balances in full. For its target audience of USAA members who pay their statement balance, this card offers substantial value and easily justifies its place as an excellent travel rewards option.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- No foreign transaction fees
- Travel perks and credits
- Comprehensive travel protection
Things to consider
- Annual fee
- High regular APR
- High balance transfer fee
What this card offers
Sign-up bonuses
- Earn 30,000 bonus points after spending $3,000 on qualifying purchases by November 30, 2026.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
- 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.
- Auto Rental Coverage
- Baggage Delay and Reimbursement
- 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.
Additional Notes
If you apply for a USAA Visa Signature® Credit Card and are approved for a credit limit less than $3,000 you'll automatically be issued a USAA Visa® Platinum Credit Card with the same terms and fees. This is not applicable to the USAA Eagle Navigator® Visa Signature® Credit Card.