USAA Adds 30,000-Point Welcome Offer To Eagle Navigator Credit Card

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Dylan PearlDeputy Editor

Over a decade of editorial experience across a number of publications and more than 60 countries visited have given Dylan Pearl a wealth of travel knowledge, and the tools to effectively communicate that knowledge to others. Dylan has made it his mission to see as much of the world as possible, and strives to give everyone the tools to get out and do the same with simple, actionable information.

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Dylan Pearl

Dylan PearlDeputy Editor

Deputy Editor

Fact Checked

Updated: Feb 8, 2024, 1:51pm

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Table of Contents

Despite being billed as a travel rewards credit card, the USAA Eagle Navigator™ Credit Card has fallen just short of other cards in this category over the years because it has lacked the one thing most offer: a welcome bonus. But USAA is upping its travel game and offering an introductory bonus for new cardholders.

The USAA Eagle Navigator™ Credit Card now offers the chance to earn 30,000 bonus points after spending $3,000 on qualifying purchases within 90 days of account opening. That’s a $300 value if points are redeemed through the USAA Rewards Center.

Featured Partner Offer

USAA Eagle Navigator™ Credit Card

Apply Now

On USAA's Website

Click Here To Apply Now

Rates & Fees

Up to 3X Reward Rate

Earn 3X points per dollar spent on qualifying travel purchases including flights, vacation rentals and hotels and 2X points onRead More

Welcome Bonus

Earn 30,000 bonus points

Annual Fee

$95

Regular APR

20.15% to 28.40% variable

Credit Score

Good, Excellent

Editorial Review

USAA members can access strong travel and purchase protections, bonus rewards on travel and annual bonus points for booking travel through USAA.

Pros & Cons

Strong rewards rates
Annual points bonus
Global Entry or TSA PreCheck statement credit
No foreign transaction fees

Charges an annual fee
Reduced redemption value for cash back
Exclusive to USAA members

Card Details

Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
Intro Offer: Earn 30,000 bonus points ($300 travel value) after spending $3,000 on qualifying purchases within 90 days of account opening.
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
Earn 10,000 Bonus Points every year – applies after you complete eligible hotel or car booking. That’s equal to a $100 travel value.
Up to $100 credit towards TSA PreCheck® or Global Entry® fee every four years.
Enjoy valuable travel benefits and protection, including Auto Rental Coverage, Travel Accident Coverage, Trip Interruption Coverage, Baggage Delay Reimbursement, Purchase Security and Cell Phone Protection.
No foreign transaction fees.
Points never expire for the life of the account and there are no spend caps on point earning.
Redeem points your way, on your schedule.
A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
$95 annual fee.
See Rates and Fees for details.
Terms and Restrictions apply. See the Guide to Benefits and Reward Terms and Conditions on USAA’s website for details.

USAA Eagle Navigator Credit Card Benefits

The Eagle Navigator, which has a $95 annual fee, is already a solid rewards card, earning 3 points per dollar spent on qualifying travel purchases including flights, vacation rentals and hotels and 2 points on everyday purchases including gas, dining, groceries and more.

Cardholders also earn 10,000 bonus points every year after booking an eligible hotel stay or rental car through its rewards center. Combined with the new welcome bonus, cardholders can pick up 40,000 bonus points—equal to $400 worth of travel—in their first year.

The Eagle Navigator also comes with some excellent travel perks like trip cancellation and interruption coverage, no foreign transaction fees, an auto rental collision damage waiver, travel accident insurance and baggage delay reimbursement. You also get up to $100 in Global Entry® or TSA PreCheck® statement credits every four years.

Few travel rewards cards offer cellphone insurance, but the USAA Eagle Navigator™ Credit Card is one of them. When you pay your monthly cellphone bill with your card, you can be reimbursed up to $500 if your phone is stolen or damaged. The card also comes with purchase security, extended warranty protection and concierge services that provide 24/7 access to help with arranging travel or event tickets.

Like all of its credit card products, the USAA Eagle Navigator™ Credit Card is for USAA members only. If you’re a current or former member of the military or a spouse or child of a current or former member, you can join USAA.

How Does the USAA Eagle Navigator Welcome Bonus Compare?

Earning 30,000 points for making $3,000 in purchases in three months might sound like a great deal, but how does it compare to other cards with moderate annual fees?

Chase Sapphire Preferred® Card: Earn 75,000 bonus points after spending $4,000 on purchases in the first three months from account opening.
Capital One Venture Rewards Credit Card: Earn 75,000 miles once you spend $4,000 on purchases within 3 months from account opening. (rates & fees)

Bottom Line

Adding a decent welcome bonus to the USAA Eagle Navigator™ Credit Card means it can now compete with some of the best mid-tier travel rewards cards out there. It already has a solid rewards rate and helpful travel benefits, making this a travel rewards card to consider—if you’re a USAA member.