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USAA Eagle Navigator® Credit Card review: Solid rewards for on-the-go military members and their families

 /  10 min
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Snapshot

3.7

Bankrate rating
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Rating: 3.7 stars out of 5

Bottom line

Military members and their families can earn solid rewards with this card, especially on travel and commuting expenses. However, similar cards offer more upfront value.

Best for everyday travel

Recommended credit score:(670 - 850)
Apply nowLock

on USAA's secure site

See Rates & Fees

Intro offer

30,000 bonus points

Rewards Rate

2X - 3X

Annual fee

$95

Regular APR

19.15% to 27.40% variable

Why you'll like this: It offers a nice mix of perks and rewards on everyday travel, plus a chance at a relatively low ongoing APR.

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USAA Eagle Navigator® Credit Card overview

  • Credit Card With Dollar Sign Icon

    Rewards

  • Rewards Icon

    Welcome offer

  • Credit Card Search Icon

    Rates and fees

  • Congrats Icon

    Other cardholder perks

USAA Eagle Navigator® Credit Card pros and cons

Pros

  • Checkmark Icon

    The card covers numerous categories for elevated rewards for travel and transit purchases.

  • Checkmark Icon

    Earning the anniversary bonus points can offset the annual fee.

  • Checkmark Icon

    The rewards categories and lack of foreign transaction fees make this card a good choice when traveling abroad.

Cons

  • The card’s welcome offer is low compared to other cards with a $95 annual fee.

  • The value of your earned points is reduced when you redeem them for cash back.

  • Only USAA members and their families are eligible for this card.

Why you might want the USAA Eagle Navigator® Credit Card

Why you might want a different rewards card

How the USAA Eagle Navigator® Credit Card compares to other rewards cards

Image of USAA Eagle Navigator® Credit Card

USAA Eagle Navigator® Credit Card

Annual fee

$95

Intro offer

30,000 bonus points
Info Icon

Rewards rate

2X - 3X
Info Icon

Recommended Credit Score

Good to Excellent (670 – 850)
Info Icon
Image of Chase Sapphire Preferred® Card
Bankrate Score
Apply now Lock Icon
on Chase's secure site

Annual fee

$95

Intro offer

60,000 bonus points
Info Icon

Rewards rate

1x - 5x
Info Icon

Recommended Credit Score

Good to Excellent (670 – 850)
Info Icon
Image of USAA® Rewards™ American Express® Card

USAA® Rewards™ American Express® Card

Annual fee

$0

Intro offer

2,500
Info Icon

Rewards rate

1X - 3X
Info Icon

Recommended Credit Score

Good to Excellent (670 – 850)
Info Icon

Who is the USAA Eagle Navigator® Credit Card right for?

Bankrate’s Take — Is the USAA Eagle Navigator® Credit Card worth it?

How we rated this card

Document Icon
150+
cards rated
Congrats Icon
50+
rewards programs valued
Location Icon
1800
data points analyzed
Credit Card With Star Icon
40+
perks evaluated

Frequently asked questions

Written by
Ryan Flanigan, CCC
Writer, Credit cards
Ryan Flanigan is a Bankrate credit cards writer with more than 10 years of experience using credit cards to help people reach their travel goals.
Edited by Editor, Credit cards

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.