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.
View OfferEarn 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).
Benefits and fees last verified May 2026against the issuer's published terms.
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
Before you decide, weigh alternatives
Lower-fee cards in the same category. A cheaper card can be the better fit if you will not use enough perks to earn back a bigger fee.
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.
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