USAA Eagle Navigator
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
Earn 30,000 bonus USAA Rewards points after spending $3,000 in qualifying purchases within 90 days of account opening (~$300 in travel value at 1¢/point through the USAA Rewards Center).
Earning Rates
Earning rates
3- 3xlodging
3X points on travel: air, hotels, car rentals, vacation rentals, tolls, rideshares, transit — no annual spending cap on this category
- 2xdining
2X points on everyday purchases: groceries, gas, dining, bills — no annual spending cap on this category
- 1xeverything else
1X points on all other purchases
Statement credits
3- $100Annual Travel BonusYearly
10,000-point loyalty bonus (~$100 travel value) after you complete an eligible hotel or car booking through the USAA Rewards Center each cardmember year
- $30TSA PreCheck / Global Entry Creditevery-4-years
Up to $120 statement credit toward TSA PreCheck or Global Entry application fee once every 4 years (amortized to ~$30/year)
- $120Up to $120 statement credit toward TSA PreCheck or Global Entry application fee once every 4 years
Perks & memberships
3- Card networkIssued on the Visa Signature network (despite some legacy references calling it a Mastercard, USAA issues this as a Visa Signature product per usaa.com, Bankrate, U.S. News, and The Points Guy)
- No foreign feesNo foreign transaction fees — earn the same 2X/3X rate on international purchases
- Points longevityPoints never expire for the life of the account and there are no caps on point earning
Travel & purchase protections
6- Cell phone protection: up to $500 per claim (subject to deductible) when you pay your monthly wireless bill with the card
- Auto rental collision damage waiver (secondary in the U.S.) when you reserve and pay with the card and decline the rental company's CDW
- Travel accident insurance up to $500,000 in coverage when common-carrier tickets are paid with the card
- Trip cancellation and trip interruption coverage up to $1,500 per person on prepaid non-refundable travel
- Baggage delay reimbursement up to $100/day for 3 days when bags are delayed 6+ hours by a common carrier
- Purchase security: covers eligible new purchases against theft or accidental damage for 90 days, up to $1,000 per claim and $10,000 per cardholder
More benefits & fine print (1)ShowHide
- Membership-gated: must be a USAA member to apply. USAA membership is restricted to current and former U.S. military servicemembers, their spouses, and their dependents
How we verified this card (5 sources)ShowHide
Spotted something off? Report an issue. Read our verification methodology.
How to Earn the Bonus
Spend $3,000 in the first 3 months to earn the 30,000 USAA Rewards points bonus.
See the Current Offer
Earn 30,000 USAA Rewards points
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
