USAA Eagle Navigator

The Eagle Navigator earns a solid 2 points per dollar on everything and 3 points on travel and transit, including rideshare and tolls, which gives it a stronger base rate than many travel cards. New cardholders can earn 30,000 bonus points after spending $3,000 in 3 months, and there is no foreign transaction fee. The catch is the $95 annual fee, which you need to justify with steady spending; active duty service members get the fee waived. Extras help offset the cost: an up to $120 Global Entry or TSA PreCheck credit every four years, and 10,000 bonus points each year after booking a hotel stay or car rental through the USAA Rewards Center. If you travel enough to use those perks, it pays for itself; otherwise a no fee card may serve you better.