USAA Eagle Navigator

The Eagle Navigator earns 2 points per dollar on everything and 3 on travel and transit, including rideshare and tolls, with no foreign transaction fee, which makes it a workable single-card setup for someone who travels regularly. The 30,000 point signup bonus after $3,000 of spending in three months and the up to $120 Global Entry or TSA PreCheck credit give the first year a real head start against the $95 annual fee. Keeping it worthwhile after that depends on the 10,000 bonus points awarded each year for booking a hotel stay or car rental through the USAA Rewards Center, so you have to route at least one booking through USAA annually to stay ahead. Active duty members get the best version of this card: no annual fee while serving, plus a reduced APR under the Servicemembers Civil Relief Act. If you are not active duty and will not use the Rewards Center, a flat 2x base rate is available elsewhere without a fee.