Best credit cards for military personnel

Best credit cards for military personnel: complate guide

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Best credit cards for military personnel: Military members and their families have unique financial needs, and many credit card issuers offer products tailored to those needs. From perks to exclusive benefits, these cards help active military members, veterans and their families manage their finances effectively. Here you will find a detailed description of the benefits and the best options available.

KEY BENEFITS OF MILITARY CREDIT CARDS

  1. Exemption from Annual Fee
    Many credit card issuers are waiving annual fees for active members under the Servicemembers Civil Relief Act (SCRA) or the Military Loans Act (MLA). This benefit can save military members hundreds of dollars each year, especially on premium cards.
  2. Low APR Offer
    SCRA protection typically covers interest rates on credit card debt prior to the exchange, typically 6% or less. Additionally, many cards offer special interest periods.
  3. EXCLUSIVE PRICES
    Cards designed for military members often offer higher cash back rates or points in categories such as travel, dining or everyday expenses that fit the lifestyle of military members and their families.
  4. travellingNO COMMISSIONS FOR FOREIGN TRANSACTIONS
    For those stationed overseas or traveling internationally, military cards often waive international transaction fees, reducing the cost of international spending.
  5. Special Benefits
    Some cards include travel insurance, baggage delay protection, or concierge services, which are valuable for families who move or travel frequently.

Military credit cards guaranteed approval

Best credit cards for military personnel

1. American Express Platinum Card

  • KEY BENEFITS:
  • Elimination of annual fees for military personnel on active duty with SCRA.
  • Up to 5 points on flights and hotels booked through AmEx Travel.
  • $200 annual airfare credit and $240 annual digital entertainment credit.
  • Best: Frequent travelers looking for luxury benefits.

2. In Search of Sapphire Reserve

  • KEY BENEFITS:
  • Annual SCRA fee waived.
  • 3x points for travel and dining.
  • $300 annual travel credit and Priority Pass lounge access.
  • BEST: Top award for travel and accommodation expenses.

3. USAA Cashback Plus Rewards

  • KEY BENEFITS:
  • 5% cashback on petrol purchases and military bases.
  • 2% return on products.
  • No annual fee.
  • BEST: Everyday spending, including local shopping.

4. PenFed Power Cash Rewards

  • KEY BENEFITS:
  • 2% cash back on all purchases for Penfed Honors Advantage members (veterans and military personnel).
  • No annual fee.
  • Best: Easy and fixed returns.

5. Navy Federal Credit Union Award

  • KEY BENEFITS:
  • 3x points for travel and 2x for everything else.
  • No fees for international transactions.
  • Annual membership fee of US$49 (waived for some Members of Parliament).
  • BEST: Members of Navy Federal Credit Union are looking for a variety of rewards.

Best military credit cards Benefits

  1. Avail Annual Discount
    Always notify your credit card company of your active duty status to ensure you receive SCRA or MLA benefits with fee waivers.
  2. Focus on award categories
    Choose a card that suits your spending habits, such as travel rewards for frequent travelers or cash back on everyday spending.
  3. Avail military benefits
    Some credit unions and issuers, such as USAA and Navy Federal, offer special benefits such as financial counseling, membership benefits or low APRs.
  4. Check Your Credit Card Statement
    When trading abroad, check foreign transaction fees to make sure you’re not paying unreasonably high prices.

What to consider before applying

  1. Authority
    Some cards, such as the Navy Federal or USAA cards, are only for military personnel and their dependents. Please confirm the entry requirements before applying.
  2. Cost Behavior
    Evaluate your key spending categories to choose a card that offers it
  3. Credit Score: Make sure you meet the card’s minimum credit score requirements. Many premium cards require excellent credit.


In the United States, military credit cards offer significant financial benefits, from fee waivers to built-in rewards. Whether you’re an active duty military member, veteran, or family member, knowing your options can help you maximize your benefits while achieving your financial goals. Explore offers from leading issuers and military credit unions that fit your lifestyle.

Let me know if you need help applying for a specific card!

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