USAA Eagle Navigator

Earning Rates

Key Benefits

All Benefits

• Issued 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)
• 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
• Welcome offer: 30,000 USAA Rewards points after $3,000 in qualifying purchases within 90 days of account opening (~$300 in travel value at 1¢/point through the USAA Rewards Center)
• 3X points on travel: air, hotels, car rentals, vacation rentals, tolls, rideshares, transit — no annual spending cap on this category
• 2X points on everyday purchases: groceries, gas, dining, bills — no annual spending cap on this category
• 1X points on all other purchases
• Annual loyalty bonus: 10,000 bonus points (~$100 travel value) after you complete an eligible hotel or car booking through the USAA Rewards Center each cardmember year
• Up to $120 statement credit toward TSA PreCheck or Global Entry application fee once every 4 years
• No foreign transaction fees — earn the same 2X/3X rate on international purchases
• 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
• Points never expire for the life of the account and there are no caps on point earning
• Variable APR ~18.40%-26.65%; active-duty servicemembers receive USAA's SCRA benefits including a 4% APR cap during qualifying military service
• Not Offered: no airport lounge access (no Priority Pass / Centurion / Plaza Premium)
• Not Offered: no point transfers to airline or hotel programs — USAA Rewards is a closed-loop bank program
• Not Offered: no annual airline incidental credit, no Uber credit, no DoorDash credit, no streaming credits