VisaUSAA Eagle Navigator Visa Signature
USAA's first real travel card: 3x travel, 2x everything, and a self-paying fee.
Welcome Bonus
30,000
≈$300 value
Spend Requirement
$3,000
in 3 months
Annual Fee
$95
No FTF
Credit Score
720+
(Excellent)
Current offer note: Spend within 90 days of opening
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 3xTravel and transit, booked anywhere
- 2xAll other purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦10,000 bonus points each year you book a hotel or car through the USAA Rewards Center, worth $100
- ✦No foreign transaction fee
- ✦Visa Signature travel protections
Why it earns its spot
- +2x base earn on everything is premium-card behavior at $95
- +One portal booking a year wipes out the annual fee
- +3x travel works on direct bookings, not just a portal
Where it costs you
- −Fixed-value points with no transfer partners
- −USAA membership requires military affiliation
- −$95 fee stings if you skip the annual portal booking
The Compound Verdict
Quietly one of the better fixed-value travel cards anywhere: 3x travel plus 2x everything beats most $95 competitors on raw earn. No transfer partners caps the ceiling, but for members who want simple travel value without point games, this delivers.
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