USAA Eagle Navigator credit card review: Full details

The USAA Eagle Navigator Credit Card is a credit card option specifically designed for current and former military members and their spouses and dependents. With a recommended credit score of 670 and a low $95 annual fee, this card offers decent value for military members and their families. However, it is important to note that this card is only available to USAA members, so if you are not eligible to become a member, this card is not for you.

One downside of the USAA Eagle Navigator is that it does not offer a traditional sign-up bonus, which may be a deal breaker for some. However, the card does come with a number of benefits and perks to help make up for this. These include travel accident insurance, extended warranty protection, and cellphone protection. The card also does not charge foreign transaction fees, making it a good option for military members who frequently travel internationally.

One of the key features of the USAA Eagle Navigator is its earning potential. The card offers unlimited 3 points per dollar on travel, including airfare, hotels, car rentals, and vacation rentals. It also offers 2 points per dollar on all other purchases. While these earning rates may not be the highest in the market, they are more than serviceable for military members and their families.

When it comes to redeeming the points earned on the USAA Eagle Navigator, cardholders have a variety of options. Points can be redeemed for travel through the USAA Rewards Center, merchandise, gift cards, statement credits, or even direct deposits into a USAA checking or savings account. It is important to note that the redemption value can vary depending on the option chosen. However, opting for a travel redemption generally offers the best value, with 10,000 points equaling $100 towards a travel purchase.

While the USAA Eagle Navigator is a solid card option for military members, there are other cards on the market that offer better earning rates or additional benefits. For those looking for better earning rates, the Chase Sapphire Preferred Card is a good option, offering 5 points per dollar on travel booked through the Chase travel portal and Lyft purchases, and 3 points per dollar on dining and select streaming services. If transfer partners are important, the Capital One Venture Rewards Credit Card offers valuable earnings rates and over 15 airline and hotel transfer partners.

In conclusion, the USAA Eagle Navigator Credit Card is a solid choice for military members and their families who are looking to earn cash back on their purchases. While it may not offer the highest earning rates or additional benefits, its flexible earning potential and perks make it a worthwhile option for military members. However, if you are not eligible to become a USAA member, you will need to explore other card options.

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