Best USAA Credit Card – WalletHub Editors

Mar 31, 2025

WalletHub Managing Editor

Fact checkedFact Checked by Alina Comoreanu, WalletHub Senior Researcher

WalletHub Senior Researcher

Opinions and ratings are our own. This review is not provided, commissioned or endorsed by any issuer. WalletHub independently collected information for some of the cards on this page.

The best USAA credit cards can help you save money and conveniently make purchases if you’re a current or former member of the military, or one of your immediate family members served. That means determining whether you meet the organization’s membership requirements is step one. After that, you’ll need to identify the right credit card for your needs from the available offers.

To help make the process as painless as possible, we compared all of USAA’s cards to find the best offers for the most common consumer needs. You can find our selections below, along with the best alternative from other issuers for each usage scenario. If you would like a personalized credit card recommendation or to check your latest credit score, just sign up for a free WalletHub account.

Best For	Best USAA Credit Card	Best Feature	Learn More
Initial Bonus	USAA Eagle Navigator® Credit Card	30,000 points	Editors’ Notes
Cash Back	USAA Preferred Cash Rewards Credit Card	1.5% cash back on purchases	Editors’ Notes
Military-Base Purchases	USAA® Cashback Rewards Plus American Express® Card	5% cash back on the first $5,000 spent on military-base purchases and on the first $3,000 spent on gas each year	Editors’ Notes
Dining and Gas	USAA® Rewards™ Visa Signature® Card	1 - 2 points per $1 on purchases	Editors’ Notes

Best USAA Credit Card: Initial Bonus

usaa eagle navigator visa card The USAA Eagle Navigator® Credit Card is one of a handful of USAA credit cards that offer 30,000 points after spending $3,000 on purchases within 90 days. You’ll also earn 3 points per $1 on travel purchases (tolls, rideshares, hotels, vacation rentals, flights and more) and 2 points per $1 on everyday purchases (groceries, gas, dining, bills and more). For context, 1.2 point per $1 spent is roughly what the average rewards card offers on purchases, according to our latest Credit Card Landscape Report.

The USAA Eagle Navigator® Credit Card has a $95 annual fee, and it requires at least "good" credit for approval.

Compared to the Competition: USAA Eagle Navigator® vs. Chase Sapphire Preferred®

Best USAA Credit Card: Cash Back

usaa preferred cash rewards visa The USAA Preferred Cash Rewards Credit Card is a simple workhorse, giving you 1.5% cash back on purchases without charging an annual fee. That’s the start of the recipe for a great everyday rewards card and a good initial bonus. Other cards offer at least 1.5% cash back on all purchases, and the best of the bunch sweeten the deal with added benefits.

Compared to the Competition: USAA Preferred Cash Rewards vs. Wells Fargo Active Cash

Best USAA Credit Card: Military-Base Purchases

cashback rewards plus american express It’s hard to beat the USAA® Cashback Rewards Plus American Express® Card if you live or work on a military base, especially if you drive a lot, too. It offers 1 - 5% cash back. There is no annual fee.

Compared to the Competition: USAA Cashback Rewards Plus vs. PenFed Platinum Rewards

Best USAA Credit Card: Dining and Gas

usaa point rewards visa The USAA® Rewards™ Visa Signature® Card offers 1 - 2 points per $1 on purchases, giving bonus rewards on gas, groceries, and dining. Plus, there is no annual fee.

Compared to the Competition: USAA® Rewards™ Visa Signature® Card vs. PNC Cash Rewards® Visa®

If you’re unsure whether you can qualify for any of the credit cards mentioned above, check your credit score for free on WalletHub. And if you want more recommendations, make sure to check out our editors’ best card picks for all of the major card categories.

About the Author

John S Kiernan

John Kiernan has covered the credit card industry for more than 15 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post, Fox News and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau.

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* The information about the following cards has been independently collected by WalletHub: USAA® Rewards™ Visa Signature® Card, USAA Eagle Navigator® Credit Card, and USAA® Cashback Rewards Plus American Express® Card.