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USAA Eagle Navigator® Credit Card
USAA Eagle Navigator® Credit Card Review
This card offers a straightforward and appealing way to earn travel rewards. Cardholders can rack up points on everyday purchases, all while taking advantage of valuable travel perks like the TSA PreCheck® or Global Entry credit. If you’re a USAA member and you’re willing to pay a moderate fee, we think this travel card is a win.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
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USAA Eagle Navigator® Credit Card
SIGN-UP BONUS
Earn 30,000 bonus points ($300 travel value) after spending $3,000 on qualifying purchases within 90 days of account opening. Earn a one-time $95 statement credit when you make your first purchase within 90 days of account opening.
REWARDS RATE
3X points on travel purchases, 2X points on everyday purchases
Sign-Up Bonus
Earn 30,000 bonus points ($300 travel value) after spending $3,000 on qualifying purchases within 90 days of account opening. Earn a one-time $95 statement credit when you make your first purchase within 90 days of account opening.
Eligibility
Must be a USAA® member, or become a member, to apply.
Regular APRs
19.65% to 27.90% variable on purchases, balance transfers, and cash advances
Annual Fee
$95
Card Brand
Visa®
Recommended Credit Score
Good / ExcellentHighlights
- 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.
- No foreign transaction fees.
- 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.
- A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
- 19.65% to 27.90% 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.
Additional Info
Foreign Transaction Fee
None
Balance Transfer Fee
5% of the amount of each balance transfer and convenience check
Expert Review
Editor's Overall Rating
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
From the LendingTree editorial team, updated on Nov 01, 2024
If you’re a USAA member, this travel card is hard to beat. Cardholders get a wide range of benefits including a generous welcome offer, a stellar rewards rate and a credit to cover TSA PreCheck® or Global Entry. With a relatively low annual fee of $95, we think the perks of owning this card can easily outweigh the cost.
The Good
- The USAA Eagle Navigator® Credit Card beats out similarly priced travel cards by offering 3X points on travel purchases, 2X points on everyday purchases.
The Not So Good
- The welcome offer is relatively easy to achieve, but it’s not as large as some other popular travel cards at this level. It’s also important to remember that you must be a USAA member to apply for this card.
The Bottom Line
This card offers a straightforward and appealing way to earn travel rewards. Cardholders can rack up points on everyday purchases, all while taking advantage of valuable travel perks like the TSA PreCheck® or Global Entry credit. If you’re a USAA member and you’re willing to pay a moderate fee, we think this travel card is a win.
Editorial Note: This content is not provided by USAA. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by USAA.
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How LendingTree Gets Paid
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all credit cards available in the marketplace.
Apply Now
on Bank of America's secure site
Sign-Up Bonus
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
Flexible Redemption
Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
Rewards Rate
1.5 points per $1 spent on all purchases.
See Our Review
Apply Now
on Chase's secure site
Sign-Up Bonus
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Rewards Rate
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Bonus Perks
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠.
See Our Review
Apply Now
on Capital One's secure site
Sign-Up Bonus
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Rewards Rate
1.25 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels and rental cars booked through Capital One Travel
APRs
0% intro on purchases for 15 months, then 19.74% - 29.74% (Variable). 0% intro on balance transfers for 15 months, then 19.74% - 29.74% (Variable). Balance transfer fee applies
See Our Review