USAA Eagle Navigator™ Credit Card

Go farther
with 3X points on travel.^{see note 1}

Apply now Become a member

Annual Fee: $95*

Variable Regular APR: 19.40% – 27.65%*

*Rates and Fees

Earn 30,000 bonus^{see note 2} points ($300 travel value).

Get started by spending $3,000 on qualifying purchases within 90 days of account opening.^{See note see note 1}

Every purchase takes you farther.

3x

Points on travel purchases

Triple your points on tolls, rideshares, hotels, vacation rentals, flights and more.

2x

Points on everyday purchases

Double your points on groceries, gas, dining, bills and more.

Bonus rewards

One-time

$95

Statement Credit^{See note see note 3}

Applies when you make your first purchase within 90 days of account opening.

Earn

10,000

Bonus points every year^{See note see note 4}

Applies after you complete eligible hotel or car booking. That's equal to a $100 travel value.

Up to

$120

CREDIT TOWARDS TSA PreCheck® OR GLOBAL ENTRY® FEE^{See note see note 5}

Breeze through the airport on your next trip.

Travel smarter with protection from the unexpected.^{see note 6}

Auto Rental
Coverage

Book rental cars with this card and get built-in auto rental coverage for every trip.

Travel Accident
Coverage

Purchase tickets with your card and get coverage for worst-case scenarios. Includes air travel, ferry, cruise ship, train or bus.

Trip Interruption Coverage

Change of plans? No sweat. You are covered for non-refundable, prepaid passenger fares.

Baggage Delay
Reimbursement

Checked bags gone missing? We've got you covered with extra funds so you can buy the essentials you need.

Purchase
security

Protect new items against theft or damage when you purchase them with this card.

Cell Phone
Protection

You can be reimbursed up to $500, in the event your eligible cell phone is stolen or damaged.

Traveling feels more rewarding and more secure with the Eagle Navigator™ Credit Card from USAA.

Apply Now

HOW IT WORKS

Earn and redeem points
your way.

Make purchases

Everyday purchases count double and travel purchases count triple as you earn points.

Track your points

With no expiration or spend caps, points from each trip help pay for the next.

Book travel & more

As points accumulate, redeem for travel (air, hotel, car, cruise, excursions), cash back and more.

A few more perks to get you on your way.

NO POINTS
EXPIRATION

Points never expire for the life of the account and there are no spend caps on point earning.

No foreign
transction fees*

Go across the pond or just over the border and leave foreign transaction fees behind.

ZERO LIABILITY
ON UNAUTHORIZED PURCHASES^{See note see note 7}

Zero liability for unauthorized transactions if your USAA credit card is lost, stolen or fraudulently used.

Frequently asked questions

With the USAA Eagle Navigator™ Credit Card, you benefit from:

Unlimited Rewards^{see note 1}

3X points on travel including air, hotel, car and vacation rentals, rideshare, tolls and more
2X points on other purchases

Bonus rewards

Earn a one-time $95 statement credit when you make your first purchase within 90 days of account opening.^{see note 3}
Up to $120 TSA PreCheck^® or Global Entry^® credit every four years^{see note 5}
Annual 10,000 bonus points (equals $100 in travel) after booking hotel or car through the USAA Rewards Center^{see note 4}

No foreign transaction fees*

Peace of mind, with:^{see note 6}

Trip Cancellation and Interruption Coverage
Auto Rental Collision Damage Waiver Coverage
Travel Accident Insurance
Baggage Delay Reimbursement Coverage

The travel category includes qualifying purchases^{See note see note 1} made at businesses that are included in a merchant category identified as:

Airlines
Hotels, motels, timeshares, vacation rentals
Car rental agencies
Cruise lines
Travel agencies, third-party travel websites (including the USAA Rewards Center)
Taxis, rideshares, limousines
Buses
Ferries, boat rentals
Parking lots, parking meters and garages
Tolls and bridge fees
Passenger trains
Campgrounds, recreational trailer parks, motor home and recreational vehicle rentals, truck and trailer rentals

The value of each point may vary depending on the type of reward benefit you select when you redeem your points and, in some instances, may also vary depending on the USAA credit cards you have that earn points.

Example: If you only have the USAA Eagle Navigator™ Credit Card, 10,000 points will be worth $100 when redeemed for travel and will be worth $70 when redeemed for cash back. Depending on the other points-earning USAA credit cards you may have, these values may be higher.

The $95 annual fee paid for the USAA Eagle Navigator™ Credit Card gives you access to much more than $95 in value.

Examples of such benefits include:

Annual 10,000 points for hotel/car rental booking = $100 travel value
TSA PreCheck®/Global Entry® credit: Up to $120 every four years
One-time $95 statement credit

All the points and rewards you earn with your card also add value that can greatly exceed your annual fee.