USAA Eagle Navigator Credit score Card overview
The USAA Eagle Navigator Credit score Card is a strong card choice for present and former navy 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 navy members in search of straightforward factors on their journey spending. Card score*: ⭐⭐⭐
*Card score relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
With a advisable credit score rating of 670 and a low $95 annual payment (see charges and charges), the USAA Eagle Navigator can provide respectable worth for navy members and their households. That is the case regardless that the cardboard has no present welcome provide and considerably restricted advantages.
Nonetheless, if you happen to’re not a USAA member (and are ineligible to turn out to be one), this card is not for you, because it’s solely open to present and previous navy plus their spouses and kids.
Maintain studying to be taught extra concerning the USAA Eagle Navigator to see if it deserves a spot in your pockets.
USAA Eagle Navigator Welcome Supply
Sadly, the USAA Eagle Navigator doesn’t provide a standard sign-up bonus.
If that is a deal breaker for you, take into account trying right into a card with a strong welcome provide to shortly enhance your account steadiness after assembly minimal spending necessities.
USAA Eagle Navigator advantages
The USAA Eagle Navigator affords strong journey and procuring protections, equivalent to journey accident insurance coverage and prolonged guarantee safety on U.S. producers’ warranties; plus, it doesn’t cost overseas transaction charges (see charges and charges). You may additionally get cellphone safety of as much as $500 per declare if you happen to cost your month-to-month invoice to the cardboard and a telephone on the account is broken or stolen. Lastly, you will get pleasure from 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 resort or automobile by way of the USAA Rewards Middle.
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These perks will not blow anybody away, however they do greater than justify the cardboard’s price ticket, making it a strong worth proposition. Nonetheless, keep in mind that resorts and rental automobiles booked by way of third-party platforms quite than immediately with the service provider usually 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 when you have bank card safety?
Incomes money again on the USAA Eagle Navigator
The USAA Eagle Navigator affords limitless 3 factors per greenback on journey, together with air, resort, automobile and trip leases. You may additionally get an infinite 2 factors per greenback on different purchases.
For those who’re a present or former navy 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 may possibly influence your capacity to get pleasure from greater rewards for sure purchases — which is frequent on mid-tier playing cards like this.
Learn extra: The perfect rewards bank cards for every bonus class
Redeeming money again on The USAA Eagle Navigator
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 a wide range of objects. This consists of journey by way of 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 range, however your finest wager is probably going a journey redemption, as 10,000 factors equals $100 towards a journey buy when used on this method. Nonetheless, choosing a cash-back redemption choice can decrease your redemption worth considerably.
That stated, factors earned with the USAA Eagle Navigator do not expire, so you possibly can redeem them by yourself time. Simply remember to crunch the numbers to make sure you’re getting probably the most worth on your factors.
Which playing cards compete with the USAA Eagle Navigator?
There are a handful of different simplified journey playing cards in the marketplace that compete with the USAA Eagle Navigator:
- If you would like higher incomes charges: The Chase Sapphire Most well-liked Card is among the finest journey playing cards in the marketplace, incomes 5 factors per greenback on journey booked by way of 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 is all for a $95 annual payment. For extra info, learn our full overview of the Sapphire Most well-liked.
- If you would like switch companions: The Capital One Enterprise Rewards Credit score Card has useful earnings charges and 15+ useful airline and resort switch companions. The modest $95 annual payment (see charges and charges) and strong return on on a regular basis spending (at the very least 2 miles per greenback spent on all purchases) make this card way more versatile than the USAA Eagle Navigator. For extra info, learn our full overview of the Enterprise Rewards.
For extra choices, take a look at our full record of one of the best journey bank cards.
Associated: Redeeming Capital One miles for max worth
Is the USAA Eagle Navigator price it?
For navy members — together with present and former personnel, in addition to their spouses and dependents — the USAA Eagle Navigator could be a strong alternative for starter journey rewards. Its versatile earnings charges and advantages can justify its annual payment.
Nonetheless, there’s a restrict to the worth you may get from the cardboard, and if you happen to’d choose the flexibility to switch factors to associate packages or desire a sign-up bonus, go together with an alternative choice.
Backside line
The simple perks of the USAA Eagle Navigator make it an honest alternative for navy members and their households who wish to earn straightforward money again on purchases. Nonetheless, it is solely obtainable to USAA members, which is proscribed to present and former navy plus their spouses and dependents. Since there are various different related playing cards on the market that do not have this restriction, it’s possible you’ll wish to go together with certainly one of them.
Apply right here: USAA Eagle Navigator Credit score Card
For charges and charges of the USAA Eagle Navigator, click on right here.
