2,500 Points
Worth $25
After you spend $1 on purchases on your new card in your first 1 months of card membership.
- 3%Dining
- 2%Gas
- 2%Grocery
Annual Fee
$0
Rec. Credit
Good
This card is built for USAA members who want simple travel-friendly rewards without moving into premium-card pricing. Its strength is straightforward earning, 3x points on travel and 2x points everywhere else, which makes it more of an everyday card with a travel tilt than a specialized points card.

All information about USAA Eagle Navigator™ Visa Signature® has been collected independently by MaxRewards. USAA Eagle Navigator™ Visa Signature® is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Everyday non-bonus spending
Travel purchases abroad
Built-in travel protections
Yes, for the right cardholder. The USAA Eagle Navigator™ Visa Signature® makes the most sense if you value simplicity and expect to put a lot of general spending on one card. A flat 2x points on all purchases is easy to use, the 3x rate on travel adds a little extra for regular trips, and points are worth 1 cent each, so the rewards are easy to understand.
The $95 annual fee is the main question. This card is easiest to justify for someone who will use it often, especially if the no foreign transaction fee and included travel protections matter to you. Cell phone protection, trip coverage, baggage delay reimbursement, and rental car coverage add real practical value for travelers. If you mostly want straightforward cash back and do not care about the travel protections, a no-annual-fee 2% card will likely be a better fit.

A solid fit for USAA members who want one uncomplicated card for everyday purchases and occasional travel. Its main limitation is the $95 annual fee, which is harder to justify if you will not use the travel protections or spend heavily on the card.
Welcome Offer
after you spend $3,000 on purchases on your new card in your first 3 months of card membership.
Est. Value
$300
Required Spend
$3,000
Time Frame
3 Months
Est. Value
$300
Required Spend
$3,000
Time Frame
3 Months
Earning
The rewards setup here is easy to follow: elevated points on travel, then a strong 2x points on everything else. Since USAA points are valued at 1 cent each, you can think of this card as earning 3% back on travel and 2% back on general spending.
Travel
Everywhere
Rewards percent based on a valuation of 1¢ per USAA point
Benefits
Cell Phone Protection
When you charge your monthly cell phone bill to your USAA credit card, you can be reimbursed up to $500, in the event your eligible cell phone is stolen or damaged. This benefit is available if you are a valid cardholder of an eligible U.S. issued card enrolled in the Cellular Telephone Protection benefit and you charge your monthly cellular wireless phone bills to your eligible card for the billing cycle before the month in which the incident occurs.
Purchase Security
Safeguard your new item against theft or damage for the first 90 days from the date of purchase with Purchase Security available when you pay with your eligible account. Purchase Security protects new retail purchases made with your eligible credit card and/or rewards program associated with your covered credit card within the first 90 days from the date of purchase. This benefit replaces, repairs, or reimburses you up to $1,000 per claim and $10,000 per cardholder in the event of theft or damage.
Auto Rental Collision Damage Waiver
Save money by saying no at the counter – reserve and pay for your rental car with your covered USAA credit card and get built-in auto rental coverage worldwide on rental periods up to 31 days. In your country of residence, this coverage is secondary to any other insurance or coverage available to you. When you use your USAA credit card to rent a vehicle, you’ll get built-in Auto Rental Coverage. You’re covered for physical damage, theft, reasonable and customary towing and loss-of-use charges. Decline the collision damage waiver coverage offered by the rental agency and make sure your name is listed as the primary renter on the auto rental contract. Any additional drivers must also be listed on the auto rental agreement.
Travel and Emergency Assistance
If you experience an illness or emergency, while traveling or working anywhere in the world, call the benefits center for help, 24/7. You can also get medical and legal referrals, prescription assistance, travel planning and other services. You can access key resources when you’re away from home or planning a trip. Get assistance with emergency transportation, translations and relaying emergency messages to family members. Also, you can receive information on refilling prescriptions, locating lost luggage, speaking to an attorney and replacing travel documents.
Trip Cancellation and Interruption
You’re covered for up to $1,500 per covered person, for non-refundable prepaid passenger fare, when your travel is interrupted or canceled. This coverage is available when you buy your ticket with your card. If your travel is canceled or interrupted, you may be reimbursed for your non-refundable prepaid passenger fare. The cancellation must be due to a covered reason, such as an illness or accident affecting you or another family member that prevents you from traveling, or a change in military orders.
Eligibility
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Annual Fee
$95
Purchase APR
20.15% - 28.40%
Variable
Transfer APR
20.15% - 28.40%
Variable
Cash Advance APR
28.40%
Variable
Foreign Transaction Fee
None
Balance Transfer
$0.05
Cash Advance
$0.05
Late Payment
$35
Return Payment
$35
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
2,500 Points
Worth $25
After you spend $1 on purchases on your new card in your first 1 months of card membership.
Annual Fee
$0
Rec. Credit
Good
2,500 Points
Worth $25
After you spend $1 on purchases on your new card in your first 1 months of card membership.
Annual Fee
$0
Rec. Credit
Good
Annual Fee
$0
Rec. Credit
Good