USAA Eagle Navigator™ Visa Signature®
The USAA Eagle Navigator™ Visa Signature® from USAA earns up to 2% effective value on dining in Madeen's catalog snapshot. Its annual fee is $95. New applicants may see: Earn 30,000 bonus points after spending $3,000 on qualifying purchases within 90 days of account opening.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 2%
- Annual fee
- $95
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the USAA Eagle Navigator™ Visa Signature earn in each category?
Dining is the strongest category at 2% effective value (2x points at about 1 cents each). That dining rate ranks higher than about 29% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 2% effective value (2x points at about 1 cents each). That dining rate ranks higher than about 29% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2x points | 2% Top category |
| Grocery Supermarkets and grocery stores | 2x points | 2% |
| Gas Gas stations and fuel | 2x points | 2% |
| Travel Flights, hotels, transit | 2x points | 2% |
| Other General everyday spend | 2x points | 2% |
Madeen values USAA Rewards at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the USAA Eagle Navigator™ Visa Signature?
The USAA Eagle Navigator™ Visa Signature fits spenders who put meaningful volume in dining and can earn 2x points. Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
USAA Eagle Navigator™ Visa Signature fits spenders who put meaningful volume in dining and can earn 2x points. Madeen ranks its dining effective rate higher than about 29% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 2% effective (2x points).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $95 annual fee requires enough spend in bonus categories to offset.
- USAA Rewards value depends on how you redeem, not straight cash back.
Does the USAA Eagle Navigator™ Visa Signature have an annual fee, and what's the welcome bonus?
The USAA Eagle Navigator™ Visa Signature has an annual fee of $95 and a foreign transaction fee of None. New applicants may see: Earn 30,000 bonus points after spending $3,000 on qualifying purchases within 90 days of account opening.. Confirm current issuer terms before applying.
- Annual fee
- $95
- Foreign transaction fee
- None
- Signup bonus
- Earn 30,000 bonus points after spending $3,000 on qualifying purchases within 90 days of account opening.
What travel perks does the USAA Eagle Navigator™ Visa Signature include?
The USAA Eagle Navigator™ Visa Signature includes Trusted traveler credit, 100 TSA PreCheck Credit, Annual 10,000 bonus points, Auto Rental Collision Damage Waiver in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
- Trusted traveler creditUp to $120 TSA PreCheck® or Global Entry® credit every four years
What benefits come with the USAA Eagle Navigator™ Visa Signature?
- 100 TSA PreCheck Credit
Up to $120 TSA PreCheck® or Global Entry® credit every four years.
- Annual 10,000 bonus points
Annual 10,000 bonus points (equals $100 in travel) after booking hotel or car through the USAA Rewards Center.
- Auto Rental Collision Damage Waiver
Reserve and pay for your rental car with your credit card to get 31 days of protection worldwide. Save money by saying no at the counter — rent with your covered USAA credit card and get built-in auto rental coverage.
- Baggage Delay Reimbursement
If your checked baggage is delayed, you can be reimbursed up to $100 a day, for up to three days. Get the essentials you need such as clothing or toiletries while waiting for your baggage to arrive.
- Booking.comIncluded with Visa Signature®
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
- Cell Phone Protection
When you charge your monthly cell phone bill to your USAA credit card, you can be reimbursed up to $500, in the event your eligible cell phone is stolen or damaged.
- Concierge Services
Need advice on restaurants or gifts? Are you trying to arrange travel or concert tickets? This exclusive service for USAA Visa Signature® credit cards gives you 24/7 access to a concierge who can guide you.
- Dovly Uplift™Included with Visa Signature®
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
What annual spend bonuses does the USAA Eagle Navigator™ Visa Signature offer?
- Annual 10,000 bonus points (equals $100 in travel) after booking hotel or car through the USAA Rewards Center
Common questions about the USAA Eagle Navigator™ Visa Signature
Does the USAA Eagle Navigator™ Visa Signature have an annual fee?
The USAA Eagle Navigator™ Visa Signature carries an annual fee of $95 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the USAA Eagle Navigator™ Visa Signature?
Dining is the strongest Madeen category for the USAA Eagle Navigator™ Visa Signature at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the USAA Eagle Navigator™ Visa Signature charge foreign transaction fees?
The USAA Eagle Navigator™ Visa Signature does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the USAA Eagle Navigator™ Visa Signature welcome bonus?
The USAA Eagle Navigator™ Visa Signature welcome offer in our snapshot: Earn 30,000 bonus points after spending $3,000 on qualifying purchases within 90 days of account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the USAA Eagle Navigator™ Visa Signature annual fee worth it?
Whether the $95 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the USAA Eagle Navigator™ Visa Signature?
Madeen's catalog lists a typical credit range of Good to Excellent for the USAA Eagle Navigator™ Visa Signature. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the USAA Eagle Navigator™ Visa Signature compare to similar cards?
Compare the USAA Eagle Navigator™ Visa Signature against USAA Rewards™ American Express (3% on Dining, $0 fee); USAA Rewards™ Visa Signature (2% on Dining, $0 fee); USAA Preferred Cash Rewards Visa Signature (1.5% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
USAA Eagle Navigator™ Visa Signature This card | Dining | 2% | $95 |
| Dining | 3% | $0 | |
| Dining | 2% | $0 | |
| Dining | 1.5% | $0 | |
| Gas | 5% | $0 |
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