USAA Eagle Navigator

The Eagle Navigator earns 2 points per dollar on everything and 3 points per dollar on travel and transit, a definition broad enough to include rideshare and tolls, so it holds up as an everyday card rather than a trip-only one. The signup bonus is 30,000 points after $3,000 in spending within three months, and there is no foreign transaction fee, which matters on a travel card. Recurring value comes from a $120 Global Entry or TSA PreCheck credit every four years and 10,000 bonus points each year for booking a hotel stay or car rental through the USAA Rewards Center, though that second one requires you to route a booking through USAA to collect it. The $95 annual fee is the hurdle for casual spenders, and it is waived entirely while you are on active duty, along with a reduced APR under the Servicemembers Civil Relief Act. That active duty carve-out is what tips the value calculation for the people this card is actually built for.