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USAA Eagle Navigator® Visa Signature®
USAA

USAA Eagle Navigator® Visa Signature®

A $95-a-year travel rewards card from USAA.

Cash back only
Annual fee
$95/yr
Welcome bonus
30,000 points
Min spend
$3,000 in 90 days
Recommended credit
Good to Excellent (700+)
Network
Visa
Foreign transaction fee
None
Apply on USAA site7.1/10Our rating · review ›

Rates, fees, and full terms are set by USAA and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: credit card application and welcome-bonus rules →
Offer last verified July 24, 2026. How we verify.

Is this card right for you?

✓ Best for

people who spend heavily on travel and want travel rewards they can grow.

⚠ Think twice if

you will not use enough of its perks and credits to cover the $95 annual fee.

Earning rates

3x points on travel
2x points on all other purchases

Best ways to earn & redeem

Put your travel spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus.

When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

30,000-point welcome bonus after $3,000 in 90 days
Annual travel credit and Global Entry or TSA PreCheck credit
No foreign transaction fee
Requires USAA membership (military affiliation)

Pairs well with

The USAA Eagle Navigator® Visa Signature® earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the USAA Eagle Navigator® Visa Signature® lands.

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