$200
After you spend $1,000 on purchases on your new card in your first 3 months of card membership.
- 5%Gas
- 5%Military
- 3%Grocery
Annual Fee
$0
Rec. Credit
Good
The USAA Eagle Navigator Visa Signature is designed for military members and eligible family members who want a practical travel card with strong baseline earnings. It pairs 3x points on travel purchases with an unlimited 2x points on all everyday spending, serving as an easy single-card solution for routine expenses and trips.

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 spending at 2x points
Travel purchases and coverage
Global Entry or TSA PreCheck fee credit
For USAA members looking for straightforward rewards without managing complex bonus categories, the card easily justifies its $95 annual fee. Earning 2x points on everyday purchases sets a high baseline, while 3x points on travel covers flights, hotels, and rentals. Built-in perks like a $120 Global Entry or TSA PreCheck credit every four years, cell phone protection, and trip interruption insurance add meaningful yearly value.
While the card offers great simplicity, point redemptions are fixed at 1 cent each rather than transferring to airline or hotel loyalty programs. Travelers who want luxury perks like airport lounge access or high-value point transfers can find broader eco-systems elsewhere, but for USAA loyalists who prefer reliable returns on every purchase, this card delivers clear, low-maintenance value.

The USAA Eagle Navigator Visa Signature is a strong option for USAA members seeking high flat-rate earnings and useful travel insurance, provided they prefer simple fixed-value redemptions over complex transfer partners.
Welcome Offer
after you spend $3,000 on purchases on your new card in your first 3 months of card membership.
Est. Value
$500
Required Spend
$3,000
Time Frame
3 Months
Est. Value
$500
Required Spend
$3,000
Time Frame
3 Months
Earning
Points are earned directly in USAA's rewards program at a flat rate of 1 cent per point. The structure is uncomplicated, offering boosted earnings on travel alongside a generous flat rate for all non-category spending.
Travel
Everywhere
Rewards percent based on a valuation of 1¢ per USAA point
Annual Credits & Perks
Beyond rewards, the card packs built-in insurance coverage and fee credits that help offset the annual cost.
Enrollment is required for select benefits.
Our app automatically tracks valuable credits so you don't miss any rewards.
Global Entry or TSA PreCheckBenefits
Cell Phone Protection
If your eligible phone is stolen or damaged, you can be reimbursed up to $500 when you pay your monthly cell phone bill using your USAA Bank credit card.
Auto Rental Collision Damage Waiver
Get built-in car rental coverage worldwide on rentals up to 31 days when you reserve and pay for your rental car with your USAA Bank credit card. To be eligible, decline the collision damage waiver coverage offered by the rental agency. In your country of residence, this coverage is secondary to any other insurance or coverage available to you.
Travel Accident Insurance
When you purchase your travel ticket with your USAA Bank credit card, you’re eligible to receive coverage for loss of life or limb. This coverage applies to air travel, ferry, cruise ship, train or bus transportation.
Extended Warranty Protection
This extends the time period of the U.S. manufacturer’s warranty, up to an additional year, on items purchased with your USAA Bank credit card.
Baggage Delay Reimbursement
If your checked baggage is delayed, you can be reimbursed up to $100 a day, for up to 3 days. Get the essentials you need like clothing and toiletries while waiting for your bags to arrive. To be eligible, pay for your passenger fare with your USAA Bank credit card and report delayed baggage to your common carrier and begin their claim process.
Benefits
Purchase Security
This protects your new purchases against theft or damage for 90 days after you buy them with a USAA Bank credit card or with USAA Rewards. It can replace, repair or reimburse you up to $1,000 per claim and up to $10,000 per cardholder.
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 USAA Bank credit card.
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
18.40% - 26.65%
Variable
Transfer APR
18.40% - 26.65%
Variable
Cash Advance APR
26.65%
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.
$200
After you spend $1,000 on purchases on your new card in your first 3 months of card membership.
Annual Fee
$0
Rec. Credit
Good
$200
After you spend $1,000 on purchases on your new card in your first 3 months of card membership.
Annual Fee
$0
Rec. Credit
Good
$200
After you spend $1,000 on purchases on your new card in your first 3 months of card membership.
Annual Fee
$0
Rec. Credit
Good