USAA Eagle Navigator vs USAA Preferred Cash Rewards

Common questions

Which card has the bigger sign-up bonus, USAA Eagle Navigator or USAA Preferred Cash Rewards?

The USAA Eagle Navigator has the bigger bonus, 30,000 USAA Rewards points, worth roughly $300, versus $250 cash bonus (~$250) on the USAA Preferred Cash Rewards.

Is the USAA Eagle Navigator's $95 annual fee worth it compared to the USAA Preferred Cash Rewards?

At $95/yr, the USAA Eagle Navigator is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the USAA Preferred Cash Rewards's, pick the one whose perks you'll actually use.

Can I have both the USAA Eagle Navigator and USAA Preferred Cash Rewards?

Yes, though both are issued by USAA so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.

Should I get the USAA Eagle Navigator or the USAA Preferred Cash Rewards first?

Get the one whose sign-up bonus you can hit comfortably without overspending. USAA Eagle Navigator: $3,000 spend in 3 months. USAA Preferred Cash Rewards: $1,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.