USAA Eagle Navigator

The Eagle Navigator earns 2 points per dollar on everything and 3 points on travel and transit, including rideshare and tolls, which gives it a high floor for a $95 card. New cardholders can earn 30,000 bonus points after $3,000 in spending in the first 3 months, and there is an extra 10,000 points each year after you book a hotel stay or car rental through the USAA Rewards Center. A $120 Global Entry or TSA PreCheck credit every four years and no foreign transaction fee round out the travel case. The best part for service members is that the annual fee drops to $0 while on active duty, which makes this an easy yes for that group. For everyone else, the $95 fee is worth it only if you will actually use the Rewards Center booking bonus and spend enough to beat what a no-fee card would return.