USAA Eagle Navigator Visa Credit Card review: Solid rewards for military and their family members
Editor's Note
USAA Eagle Navigator Visa Signature Credit Card overview
The USAA Eagle Navigator® Visa Signature® Credit Card is a solid card option for current and former military members and their spouses and dependents. The card has reasonable earning rates and some perks to help justify its price tag, making it a smart choice for military members looking for easy points on their travel spending. Card rating*: ⭐⭐⭐
*Card rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
With a recommended credit score of 670 and a low $95 annual fee, the USAA Eagle Navigator® Visa Signature® Credit Card can offer decent value for military members and their families. That's the case even though the card has somewhat limited benefits.
However, if you're not a USAA member (and are ineligible to become one), this card isn't for you, as it's only open to current and past military plus their spouses and children.
Keep reading to learn more about the USAA Eagle Navigator® Visa Signature® Credit Card to see if it deserves a spot in your wallet.
The information for the USAA Eagle Navigator® Visa Signature® Credit Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
USAA Eagle Navigator Visa Signature Credit Card Welcome Offer
The USAA Eagle Navigator® Visa Signature® Credit Card does currently offer 30,000 bonus points ($300 travel value) after spending $3,000 on qualifying purchases within 90 days of account opening.
USAA Eagle Navigator Visa Signature Credit Card benefits
The USAA Eagle Navigator® Visa Signature® Credit Card offers solid travel and shopping protections, such as travel accident insurance and extended warranty protection on U.S. manufacturers' warranties; plus, it does not charge foreign transaction fees. You'll also get cellphone protection of up to $500 per claim if you charge your monthly bill to the card and a phone on the account is damaged or stolen. Finally, you'll enjoy trip cancellation and interruption coverage along with baggage delay reimbursement when you purchase your tickets with the card.
Other benefits include an up-to-$120 TSA PreCheck® or Global Entry® credit every four years and an annual bonus of 10,000 points (equal to $100 in travel) after booking an eligible hotel or car through the USAA Rewards Center.
These perks won't blow anyone away, but they do more than justify the card's price tag, making it a solid value proposition. However, remember that hotels and rental cars booked through third-party platforms rather than directly with the merchant generally aren't eligible for elite status perks, nor will they earn rewards in the provider's own program.
Related: Should you get travel insurance if you have credit card protection?
Earning cash back on the USAA Eagle Navigator Visa Signature Credit Card
The USAA Eagle Navigator® Visa Signature® Credit Card offers unlimited 3 points per dollar on travel, including air, hotel, car and vacation rentals. You'll also get an unlimited 2 points per dollar on other purchases.
If you're a current or former military member or a family member of someone who serves, those are more than serviceable rates; they can serve as a nice starter in the world of cash-back cards, especially since the base earning rate is 2 points per dollar. While that certainly makes this easier, it can impact your ability to enjoy higher rewards for certain purchases — which is common on mid-tier cards like this.
Read more: The best rewards credit cards for each bonus category
Redeeming cash back on The USAA Eagle Navigator Visa Signature Credit Card
The USAA Eagle Navigator® Visa Signature® Credit Card is effectively a cash-back credit card, though the points you earn on the card can be redeemed for a variety of items. This includes travel through the USAA Rewards Center, merchandise, gift cards, statement credits or even direct deposits into a USAA checking or savings account.
The exact redemption value can vary, but your best bet is likely a travel redemption, as 10,000 points equals $100 toward a travel purchase when used in this way. However, opting for a cash-back redemption option can lower your redemption value significantly.
That said, points earned with the USAA Eagle Navigator® Visa Signature® Credit Card don't expire, so you can redeem them on your own time. Just be sure to crunch the numbers to ensure you're getting the most value for your points.
Which cards compete with the USAA Eagle Navigator Visa Signature Credit Card?
There are a handful of other simplified travel cards on the market that compete with the USAA Eagle Navigator® Visa Signature® Credit Card:
- If you want better earning rates: The Chase Sapphire Preferred® Card (see rates and fees) is one of the best travel cards on the market, earning 5 points per dollar on travel booked through the Chase travel portal and Lyft purchases (Lyft through Dec. 31, 2027), 3 points per dollar on dining, select streaming services and online grocery store purchases (excluding Target, Walmart and wholesale clubs) and more. That's all for a $95 annual fee. For more information, read our full review of the Sapphire Preferred.
- If you want transfer partners: The Capital One Venture Rewards Credit Card has valuable earnings rates and 15+ valuable airline and hotel transfer partners. The modest $95 annual fee and solid return on everyday spending (at least 2 miles per dollar spent on all purchases) make this card much more flexible than the USAA Eagle Navigator. For more information, read our full review of the Venture Rewards.
For additional options, check out our full list of the best travel credit cards.
Related: Redeeming Capital One miles for maximum value
Is the USAA Eagle Navigator Visa signature credit card worth it?
For military members — including current and former personnel, as well as their spouses and dependents — the USAA Eagle Navigator® Visa Signature® Credit Card can be a solid choice for starter travel rewards. Its flexible earnings rates and benefits can justify its annual fee.
However, there is a limit to the value you can get from the card, and if you'd prefer the ability to transfer points to partner programs or want a larger sign-up bonus, go with another option.
Bottom line
The straightforward perks of the USAA Eagle Navigator® Visa Signature® Credit Card make it a decent choice for military members and their families who want to earn easy cash back on purchases. However, it's only available to USAA members, which is limited to current and former military plus their spouses and dependents. Since there are many other similar cards out there that don't have this restriction, you may want to go with one of them.
TPG featured card
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Terms & restrictions apply. See rates & fees.
| 3X | Earn 3X Miles on Delta purchases. |
| 1X | Earn 1X Miles on all other eligible purchases. |
Pros
- Delta SkyClub access when flying Delta
- Annual companion ticket for travel on Delta (upon renewal)
- Ability to earn MQDs through spending
- Various statement credits for eligible purchases
Cons
- Steep annual fee of $650
- Other Delta cobranded cards offer superior earning categories
- Earn 100,000 Bonus Miles after you spend $6,000 or more in purchases with your new Card within the first 6 months of Card Membership and an additional 25,000 bonus miles after you make an additional $3,000 in purchases on the Card within your first 6 months, starting from the date that your account is opened. Offer Ends 04/01/2026.
- Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you’ll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
- Enjoy complimentary access to The Centurion® Lounge in the U.S. and select international locations (as set forth on the Centurion Lounge Website), Sidecar by The Centurion® Lounge in the U.S. (see the Centurion Lounge Website for more information on Sidecar by The Centurion® Lounge availability), and Escape Lounges when flying on a Delta flight booked with the Delta SkyMiles® Reserve American Express Card. § To access Sidecar by The Centurion® Lounge, Card Members must arrive within 90 minutes of their departing flight (including layovers). To access The Centurion® Lounge, Card Members must arrive within 3 hours of their departing flight. Effective July 8, 2026, during a layover, Card Members must arrive within 5 hours of the connecting flight.
- Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
- Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
- $240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
- $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
- Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
- Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- $650 Annual Fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- See Rates & Fees