Last Updated: 07/28/2025
USAA Eagle Navigator® Credit Card
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
19.15% - 27.40%(Verified 02/18/2025)
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Balance Transfer APR (Variable APR)
19.15% - 27.40%(Verified 02/18/2025)
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Credit Score Range
680 - 850
Annual Fee
$95
USAA Eagle Navigator® Credit Card Review
This is a travel card issued by USAA Federal Savings Bank. If you're wondering whether USAA Eagle Navigator® Credit Card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 3X points on travel purchases.
- Terms and Restrictions apply. See Rates and Fees for details. See the Guide to Benefits and Reward Terms and Conditions on USAA’s website for 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.
- Earn 30,000 bonus points ($300 travel value) after spending $3,000 on qualifying purchases within 90 days of account opening. Up to $120 TSA PreCheck® or Global Entry® credit every four years. Annual 10,000 bonus points (equals $100 in travel) after booking hotel or car through the USAA Rewards Center.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 19.15% up to 27.40%.
- A 5% balance transfer fee. USAA Eagle Navigator® Credit Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of USAA Eagle Navigator® Credit Card
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USAA Eagle Navigator® Credit Card FAQ
Does USAA Eagle Navigator® Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Travel | 3 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Car Rentals | 3 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Hotels | 3 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 2 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Trip Cancellation Insurance
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for USAA Eagle Navigator® Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.USAA Eagle Navigator® Credit Card has a variable purchase APR that ranges from 19.15% up to 27.40%. The card has a variable balance transfer APR that ranges from 19.15% up to 27.40%. It also has a variable cash advance APR that ranges from 19.15% up to 27.40%.
Does USAA Eagle Navigator® Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does USAA Eagle Navigator® Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for USAA Eagle Navigator® Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $95 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $95.
Does USAA Eagle Navigator® Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for USAA Eagle Navigator® Credit Card?
The customer service number for USAA Eagle Navigator® Credit Card is (800) 531-8722.
What is the support contact email for USAA Eagle Navigator® Credit Card?
The support contact email for USAA Eagle Navigator® Credit Card is info@usaa.com.
What is the login page for USAA Eagle Navigator® Credit Card?
You can access the login page of USAA Eagle Navigator® Credit Card here.
How do people rate the customer service and user experience of USAA Eagle Navigator® Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does USAA Eagle Navigator® Credit Card report your account activity to credit bureaus?
Yes, USAA Eagle Navigator® Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does USAA Federal Savings Bank perform a hard credit pull?
Yes, USAA Eagle Navigator® Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for USAA Eagle Navigator® Credit Card
- Visit the website of USAA Eagle Navigator® Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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