The USAA Eagle Navigator Credit score Card is a stable card choice for present and former army members and their spouses and dependents. The cardboard has cheap incomes charges and a few perks to assist justify its price ticket, making it a wise alternative for army members searching for simple factors on their journey spending. Card ranking*: ⭐⭐⭐
*Card ranking is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
With a really useful credit score rating of 670 and a low $95 annual charge (see charges and costs), the USAA Eagle Navigator can supply first rate worth for army members and their households. That’s the case despite the fact that the cardboard has no present welcome supply and considerably restricted advantages.
Nevertheless, in case you’re not a USAA member (and are ineligible to turn out to be one), this card isn’t for you, because it’s solely open to present and previous army plus their spouses and kids.
Maintain studying to study extra concerning the USAA Eagle Navigator to see if it deserves a spot in your pockets.
Sadly, the USAA Eagle Navigator doesn’t supply a standard sign-up bonus.
If that’s a deal breaker for you, think about wanting into a card with a stable welcome supply to rapidly enhance your account steadiness after assembly minimal spending necessities.
The USAA Eagle Navigator gives stable journey and buying protections, equivalent to journey accident insurance coverage and prolonged guarantee safety on U.S. producers’ warranties; plus, it doesn’t cost international transaction charges (see charges and costs). You’ll additionally get cellphone safety of as much as $500 per declare in case you cost your month-to-month invoice to the cardboard and a telephone on the account is broken or stolen. Lastly, you’ll take pleasure in journey cancellation and interruption protection together with baggage delay reimbursement whenever you buy your tickets with the cardboard.
Different advantages embody an up-to-$100 TSA PreCheck® or World Entry® credit score each 4 years in addition to an annual bonus of 10,000 factors (equal to $100 in journey) after reserving an eligible lodge or automobile by the USAA Rewards Middle.
These perks gained’t blow anybody away, however they do greater than justify the cardboard’s price ticket, making it a stable worth proposition. Nevertheless, do not forget that motels and rental vehicles booked by third-party platforms fairly than immediately with the service provider typically aren’t eligible for elite standing perks, nor will they earn rewards within the supplier’s personal program.
Associated: Do you have to get journey insurance coverage if in case you have bank card safety?
The USAA Eagle Navigator gives limitless 3 factors per greenback on journey, together with air, lodge, automobile and trip leases. You’ll additionally get a limiteless 2 factors per greenback on different purchases.
For those who’re a present or former army member or a member of the family of somebody who serves, these are greater than serviceable charges; they’ll function a pleasant starter on the earth of cash-back playing cards, particularly for the reason that base incomes charge is 2 factors per greenback. Whereas that definitely makes this simpler, it could affect your means to take pleasure in larger rewards for sure purchases — which is frequent on mid-tier playing cards like this.
Learn extra: The very best rewards bank cards for every bonus class
The USAA Eagle Navigator is successfully a cash-back bank card, although the factors you earn on the USAA Eagle Navigator card may be redeemed for quite a lot of gadgets. This consists of journey by the USAA Rewards Middle, merchandise, reward playing cards, assertion credit and even direct deposits right into a USAA checking or financial savings account.
The precise redemption worth can fluctuate, however your finest wager is probably going a journey redemption, as 10,000 factors equals $100 towards a journey buy when used on this approach. Nevertheless, choosing a cash-back redemption choice can decrease your redemption worth considerably.
That stated, factors earned with the USAA Eagle Navigator don’t expire, so you may redeem them by yourself time. Simply be sure you crunch the numbers to make sure you’re getting essentially the most worth on your factors.
There are a handful of different simplified journey playing cards available on the market that compete with the USAA Eagle Navigator:
- If you would like higher incomes charges: The Chase Sapphire Most popular Card is likely one of the finest journey playing cards available on the market, incomes 5 factors per greenback on journey booked by the Chase journey portal and Lyft purchases, 3 factors per greenback on eating, choose streaming companies and on-line grocery retailer purchases (excluding Goal, Walmart and wholesale golf equipment) and extra. That’s all for a $95 annual charge. For extra data, learn our full overview of the Sapphire Most popular.
- If you would like switch companions: The Capital One Enterprise Rewards Credit score Card has useful earnings charges and 15+ useful airline and lodge switch companions. The modest $95 annual charge (see charges and costs) and stable return on on a regular basis spending (no less than 2 miles per greenback spent on all purchases) make this card way more versatile than the USAA Eagle Navigator. For extra data, learn our full overview of the Enterprise Rewards.
For added choices, take a look at our full checklist of the most effective journey bank cards.
Associated: Redeeming Capital One miles for optimum worth
For army members — together with present and former personnel, in addition to their spouses and dependents — the USAA Eagle Navigator could be a stable alternative for starter journey rewards. Its versatile earnings charges and advantages can justify its annual charge.
Nevertheless, there’s a restrict to the worth you may get from the cardboard, and in case you’d choose the flexibility to switch factors to companion packages or need a sign-up bonus, go together with another choice.
Backside line
The easy perks of the USAA Eagle Navigator make it an honest alternative for army members and their households who need to earn simple money again on purchases. Nevertheless, it’s solely accessible to USAA members, which is restricted to present and former army plus their spouses and dependents. Since there are lots of different comparable playing cards on the market that don’t have this restriction, you could need to go together with one in all them.
Apply right here: USAA Eagle Navigator Credit score Card
For charges and costs of the USAA Eagle Navigator, click on right here.