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  1. Credit Cards
  2. USAA Eagle Navigator® Visa Signature®
USAA

USAA Eagle Navigator® Visa Signature®

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.

Welcome Offer
50,000 Points
Annual Fee
$95
Rec. Credit Score
Good
Good For
Military families and practical travelers
How to ApplyEstimate your value
USAA Eagle Navigator® Visa Signature®

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

Is the USAA Eagle Navigator® Visa Signature® worth it?

This card is great for...

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.

MaxRewards

MaxRewards Verdict

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

50,000 Points

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

Rewards

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.

CategoryRate

Travel

3%

Everywhere

2%

Rewards percent based on a valuation of 1¢ per USAA point

Annual Credits & Perks

Benefits

Beyond rewards, the card packs built-in insurance coverage and fee credits that help offset the annual cost.

BenefitAnnual value
$30

Enrollment is required for select benefits.

Automatically track your credits with MaxRewards

Our app automatically tracks valuable credits so you don't miss any rewards.

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USAA Eagle Navigator® Visa Signature®Global Entry or TSA PreCheck
Autotracked
$0 of $120Every 48 months

Benefits

Insurance

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

Other

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

Recommended Minimum Credit

Min: Good
Poor
Fair
Good
Excellent

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

Rates & Fees

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

For rates and fees of USAA Eagle Navigator® Visa Signature®, please visit the USAA website.

Table of Contents

USAA Eagle Navigator® Visa Signature®

USAA Eagle Navigator® Visa Signature®

How to Apply

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

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