USAA Bank · Visa Signature · Personal
USAA Bank Eagle Navigator
A $95-a-year card earning USAA Rewards: 3× on 11 categories, 2× on everything else.
- Annual fee
- $95Charged every year
- Signup bonus
- 30,000 ≈ $300 in travel (our estimate)*
- Top rate
- 3×11 categories
- Point value
- 1¢ In travel · 0.9¢ as cash (our estimate)*
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus 30,000 points · spend $3,000 on qualifying purchases within 90 days of account opening | $300 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use None ticked yet | $0 | $0 |
| Annual fee Charged each year | −$95 | −$95 |
| NetYear one includes the bonus · at your inputs · our estimates* | $205 | −$95 |
The bonus needs $3,000 on qualifying purchases within 90 days of account opening.
Earning structure
12 categories, 2 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
| Airfare | 3× | $3.00 | |
Airfare (Portal) NotesPortal not required. | 3× | $3.00 | |
| Car Rentals | 3× | $3.00 | |
Car Rentals (Portal) NotesPortal not required. | 3× | $3.00 | |
| Cruises | 3× | $3.00 | |
Hotels (Portal) NotesPortal not required. | 3× | $3.00 | |
| Parking | 3× | $3.00 | |
| Ridesharing | 3× | $3.00 | |
| Toll Fees | 3× | $3.00 | |
| Transit | 3× | $3.00 | |
| Travel | 3× | $3.00 | |
| All Other | 2× | $2.00 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- $95
- Card type
- Personal
- Network
- Visa Signature
- Bank
- USAA Bank
- Point system
- USAA Rewards
- Travel value (our estimate)*
- 1¢ per point
- Cash value (our estimate)*
- 0.9¢ per point
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- Yes
- Cash to travel
- No
Benefits8 · 2 high value
- Airport Express Credits High value$100 TSA PreCheck® or Global Entry® credit
- Earn Perks & Status High valueEarn 10,000 Points Annually
- Car Rental Insurance SECONDARY Auto Rental Collision Damage Waiver
- Cell Phone Protections Cell Phone Protection
- Travel Protections Baggage Delay Reimbursement + 3 more travel protections benefits
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 USAA Bank Eagle Navigator |  USAA Bank Rewards (AMEX) |  USAA Bank Cashback Rewards Plus |  Bank of America Premium Rewards | |
|---|---|---|---|---|
| Annual fee | $95 | $0−$95 | $0−$95 | $95Same |
| Signup bonus | 30,000 pts | 2,500 pts | None | 60,000 pts |
| Top rate | 3×11 categories | 3×Dining | 5×Gas Stations, Special | 2×12 categories |
| Travel value * | 1¢USAA Rewards | 1¢USAA Rewards | –Cash back | 1¢Travel Rewards |
| Why it’s here | This card | Same issuer and the same USAA Rewards points, with no annual fee | An annual fee within $100 | Same $95 annual fee |
USAA Bank Rewards (AMEX)
$0 fee (−$95) · 3× top2,500 pts bonusSame issuer and the same USAA Rewards points, with no annual fee
USAA Bank Cashback Rewards Plus
$0 fee (−$95) · 5× topNone bonusAn annual fee within $100
Bank of America Premium Rewards
$95 fee (same) · 2× top60,000 pts bonusSame $95 annual fee
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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