USAA Eagle Navigator

The Eagle Navigator earns 2 points per dollar on everything and 3 points per dollar on travel and transit, including rideshare and tolls, which gives it a stronger floor than most travel cards at its price. The signup bonus of 30,000 points after $3,000 in spend in the first three months is a reasonable start, and an extra 10,000 points each year after booking a hotel stay or car rental through the USAA Rewards Center helps offset the $95 annual fee. A Global Entry or TSA PreCheck credit of up to $120 every four years and no foreign transaction fee add real value for frequent travelers. The tradeoff is that the yearly 10,000-point bonus only arrives if you book through USAA's portal, so travelers who book direct will feel the $95 fee more. Active duty members get the strongest deal, since the annual fee drops to $0 and they can receive a reduced APR under the Servicemembers Civil Relief Act.