USAA Eagle Navigator
$95 annual fee · 2x on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Travel | 3x | uncapped |
| Everything else | 2x | uncapped |
See how it ranks: best travel cards.
Signup bonus: 30,000 points after $3,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero.
Non-cash perks
- Membership required (USAA: military members, veterans and eligible family)
- 10,000 bonus points each year (about $100 travel value) after an eligible hotel or car rental booking through the USAA travel portal
- Statement credit toward Global Entry or TSA PreCheck application fee (every 4 years)
- No foreign transaction fees
Does the fee earn out?
The $95 fee minus $0 in printed credits leaves $95/yr to earn back through rewards — roughly $3,167 of travel spending at 3x (valuing USAA points at the same mid-range value the optimizer uses). Whether that clears depends on your actual spending.
Is this $95 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
More from USAA
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-02 against issuer terms · sources: www.usaa.com. Spot an error? Tell us.