USAA has launched a new credit card called ‘Eagle Navigator’, card isn’t listed on the credit card page but is being offered to existing users. Card basics are as follows:
- $95 annual fee
- Card earns at the following rates:
- 3x points on travel
- 2x points on all other purchases
- 10,000 annual bonus points after booking hotel or car travel through the USAA booking portal
- $100 TSA PreCheck/ Global Entry Credit
Given that a lot of cards earn at 2%+ and don’t have an annual fee I don’t really see this card of being any use. Dead on arrival unless they add more benefits/more lucrative earning categories or a large sign up bonus.
There’s currently a public(?) sign-up bonus of 30k points with $3k spend. Not great, but better than nothing.
Just got a (targeted) mailer for 50k points with $3k spend in 3 months. Same $95 fee.
Longtime USAA member, with checking and insurance;
Their CC’s are crap.
I have the Amex one that gives 5% back on gas and Exchange/commissary purchases. The only one of theirs worth having I think.
Same, only USAA CC that I have; they had a $200 SUB for it a few years back. I only use it for the 5x categories. It also works on the AAFES and NEX websites, which is nice.
Couldn’t agree more. Same with the savings accounts.
ever since they ended limitless, they really haven’t had anything competitive. they have issues even logging into the website and app. i’ve moved most of my spending to other credit cards and checking to cash app. So i get paid a week early.
I still use USAA for DD but move everything over to a HYSA every pay day.
“Points cannot be combined with cash back rewards earned from your other USAA accounts and will be a separate rewards balance.”
Terms do state that points are combined into a single pool with the other points earning cards, such as Rewards Signature, which gives 3 points per dollar on dining spend.
Trash. USAA closed out my account without any reason. Fk UUUUUU USAA!!!!
Ditto
Per USAA terms, “10,000 Points will be worth $100 when redeemed for travel and will be worth $70 when redeemed for cash back”
That’s the kicker, compared to NFCU Flagship at 1 CPP cash back (granted, $50 minimum redemption). Going through a portal at 3x is losing at least 2% vs no-fee cards.
I’m guessing it will have basic travel insurance like USAA’s no-fee Preferred Visa.
I think that you may also have the option for cash back at 1 cpp if you also have a USAA cash back card. The wording isn’t clear, but suggests it.
The terms state that “points are combined with any of your other USAA credit card Accounts that earn Points into a single Points balance.” While the cashback cards are not eligible (“Points cannot be combined with cash back rewards earned from your other USAA accounts and will be a separate rewards balance”), points earnings on the USAA Rewards American Express and USAA Rewards Visa Signature are combined with the new Eagle Navigator into a single redemption pool. A good strategy would be to dine at 3 points per dollar on the Signature, and travel at 3 points per dollar on the Navigator.
Dogshit.
worst bank benefits and savings/dividend interest rates. Pass
I was with USAA for a long time when they paid decent interest rates on savings/checking (years ago). After they sold the brokerage division I transferred out. Still have a bit of money there as the checking has a lot of external transfer links but its just a backup.
So it’s similar to the Navy FCU Flagship, but a little better. The Flagship has an annual fee of $49, while this one practically has no annual fee since you get 10,000 travel points a year (assuming points is valued at 1:1).