USAA Eagle Navigator™ Visa Signature®
- Annual Fee
- $95
- points · Welcome Bonus
- 50,000
- Top Rate
- 3X
Terms checked against the issuer on November 5, 2026
At a Glance
- Annual Fee
- $95
- Foreign Transaction Fee
- $0
- Network
- Visa Signature
- Rewards Currency
- USAA Rewards
- Credit Required
- Excellent
Welcome Offer
50,000
points
Spend $3,000 in the first 3 months
Earning Rates
- 3X
Ridesharing
3X on points on rideshare
- 3X
Transit
3X on points on tolls
- 3X
Travel
3X on travel including air, hotel, car and vacation rentals
Benefits & Perks
Annual Credits & Statement Credits
1 creditsUp to
$7.50
in recurring credits (annual)
$120 Global Entry/TSA PreCheck
Up to $120 TSA PreCheck® or Global Entry® credit every four years.
$120
Every 4 years
Insurance & Protections
8 protectionsTrip Cancellation and Interruption
$1,500
You’re covered for up to $1,500 per covered person, for non-refundable prepaid passenger fare, when your travel is interrupted or canceled. This co...
$500 cell phone protection
$500
When you charge your monthly cell phone bill to your USAA credit card, you can be reimbursed up to $500, in the event your eligible cell phone is s...
View conditions
Deductible: 50
Baggage Delay Reimbursement
$100
If your checked baggage is delayed, you can be reimbursed up to $100 a day, for up to three days. Get the essentials you need such as clothing or t...
Auto Rental Collision Damage Waiver
Reserve and pay for your rental car with your credit card to get 31 days of protection worldwide. Save money by saying no at the counter — rent wit...
Travel and Emergency Assistance
If you experience an illness or emergency, while traveling or working anywhere in the world, call the benefits center for help, 24/7. You can also ...
Show all 8 protectionsShow fewer protections
$500,000 Travel Accident Insurance
$500,000
Coverage for loss of life or limb up to $500,000, on air, ferry, cruise, train or bus travel purchased with your USAA card.
Extended Warranty Protection up to $15,000
$15,000
Extends the U.S. manufacturer's warranty by up to 1 additional year on warranties of 3 years or less, up to $15,000 per claim and $50,000 per account.
$1,000 Purchase Security
$1,000
Safeguard new items against theft or damage for 90 days from purchase. Covers up to $1,000 per claim, $10,000 per cardholder.
Reviews & Analysis
The Math: Is $95 Worth It?
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.50
Annual Fee
-$95
Net Annual Value
-$90.50
Details & Terms
Payment Terms
| Foreign Transaction Fee | $0 |
Media & Resources
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page: Welcome offer |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
Partner credits at
Merchants this card gives you a statement credit or membership at. Unlike the brands above, this isn't about earn rate — it's money the card hands back when you spend there.