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Active service members can choose from dozens of great, military-specific credit card deals. But, as a Veteran, many of these same perks don’t apply. This reality can make picking the right card after you leave the military challenging. As such, we’ll use this article to provide an overview of the best credit cards for Veterans.

Specifically, we’ll discuss the following:

Defining Your Credit Card Priorities as a Veteran
Best Credit Cards for Veterans Who Travel
Best Credit Cards for Veteran Business Owners
Best Cash-Back Credit Cards for Veterans
Cards for Veterans with No or Bad Credit

Defining Your Credit Card Priorities as a Veteran

Before discussing the best credit card options for Veterans, we need to address an important fact: not all Veterans are the same. In other words, why a card makes sense for one Veteran may not apply to another. As a result, before choosing a credit card, you need to define why you need that card. That is, what are your priorities?

While not an all-inclusive list, here are a few questions you should ask yourself before picking a particular credit card:

How do I plan on using my card?
What are the primary expenses that I plan on paying with my card?
Do I have any “must-have” credit card terms (e.g. cash-back, no annual fee, etc.)?

The bottom line is that too many credit card options exist to choose one blindly. After you answer the above questions, you should narrow down your choices. The following card options certainly do not represent the only credit cards for veterans, but you should be able to find a solid choice that meets all of your above priorities.

Best Credit Cards for Veterans Who Travel

The Platinum Card® from American Express

As stated above, travel credit cards generally have far higher annual fees. But, in return, cardholders receive tremendous travel perks. At /year, the Platinum Card’s annual fees are certainly high. However, if you plan on traveling extensively, you can more than recoup these fees via associated card benefits.

In particular, the Platinum Card offers huge bonuses – If planned properly, this bonus alone can pay for an international trip, more than justifying the high annual fee. Additionally, this card provides annual savings on travel-related expenses, including Uber, airline fees, and Global Entry or TSA Precheck programs.

Major Benefits

For frequent travelers, the most significant benefit to the Platinum Card is the airport lounge access it provides. Cardholders can access over 1,300 lounges spanning 140 countries, including the high-end Centurion lounges.

Airport food is expensive. Say your average airport meal costs $15 (a conservative estimate). If you find yourself in airports 20 times per year and eat for free in a lounge rather than pay for a meal, that saves you $300. Add in the free beer and wine offered in these lounges, and you can recoup that high annual fee in lounge food and drink alone.

Learn more about The Platinum Card® from American Express

Best Credit Cards for Veteran Business Owners

American Express® Business Gold Card

Veteran business owners have unique needs and priorities when it comes to credit cards – typically far different than your average cardholder. The goes a long way towards supporting these needs. Of note, cardholders can Additionally, you receive 4x points for the two expense categories with the most purchases in a given month, meaning you get rewarded for where you spend most frequently.

Currently, the Business Gold Card charges a annual fee and a APR.

Major Benefits

But, this fee must be measured against what we see as the card’s primary benefit: its pay-over-time option. For small business owners, managing cash flow proves one of the most critical tasks to successful operations. Without cash, operations stop.

This pay-over-time option provides business owners a flexible payment option for purchases over $100. When a purchase qualifies for pay-over-time treatment, cardholders can pay the entire balance at the end of the month, saving on interest. But, if cash flow is an issue in a particular month, this feature allows business owners to pay off the balances on larger purchases – with interest – over time. Bottom line, while you’ll still pay interest on these purchases, this feature provides veteran business owners some outstanding flexibility when it comes to managing cash flow.

Best Cash-Back Credit Cards for Veterans

The Blue Cash Preferred® Card from American Express

Some veterans prioritize cash-back rewards with their credit cards. And, for these individuals looking to maximize cash, the provides outstanding terms. For a modest annual fee(), cardholders receive 6% cash-back on groceries (up to $6,000/year), 6% back on streaming subscriptions, 3% back on gas, and 1% for all other purchases.

Major Benefits

The major benefit here is the outstanding cash-back potential. For example, say you spend the full $6,000/year on groceries (~$115/week in groceries), $1,560 ($30/week) on gas, and $3,000 in other purchases – a conservative estimate for a family. That would equate to just over $435 in annual cash back, or net cash of $340 when you factor in the annual fee – not bad for just spending like you normally would!

On top of that, new cardholders can

Cards for Veterans with No or Bad Credit

Capital One Platinum Secured Credit Card

Realistically, most credit cards require decent credit scores. If you have bad credit or no credit, card approval can be extremely challenging. Fortunately, the is an option for veterans in one of these categories to A) get a credit card, and B) build their credit score.

With a secured credit card, Capital One cardholders put down a refundable security deposit, as low as $49 for a $200 initial credit line. That deposit then serves as collateral for the credit card. You can then earn your security deposit back as a statement credit when you use your card responsibly. With no annual or hidden fees, plus the ability to monitor your credit score with CreditWise from Capital One, it’s a great option to build credit.

Major Benefits

This option helps cardholders build their credit scores while still having the functionality of a normal credit card. Capital One monitors your usage and offers upgrades in as little as six months with no additional deposit.

Final Thoughts

Like all tools, credit cards shouldn’t be viewed from a one-size-fits-all perspective. Rather, Veterans should first decide how they plan to use a card and their priorities. From this foundation, you can decide on the best credit card for your unique situation.

Maurice “Chipp” Naylon spent nine years as an infantry officer in the Marine Corps. He is currently a licensed CPA specializing in real estate development and accounting.

Written by Maurice "Chip" Naylon

Inside This Article

For Veterans and military members seeking a reliable travel rewards card, the card_name is an excellent choice. Known for its generous signup bonus, flexible reward categories, and robust travel perks, this card stands out as an ideal option for Veterans who value dining and travel.

While military members benefit from fee waivers under the Military Lending Act (MLA), Veterans can still enjoy the extensive benefits, including flexible redemption options and lucrative points transfers.

Let’s break down how the card_name can maximize rewards for both Veterans and military members.

The Chase Sapphire Preferred® Card offers Veterans and military members an opportunity to bonus_miles_full This bonus can be redeemed for $750 in travel when booked through the Chase Travel^℠ portal, making it one of the most generous offers in the market.

For Veterans and military families planning vacations, these points can cover a large portion of airfare, hotel stays, or even rental cars. Veterans should also consider transferring points to one of Chase’s many travel partners, which can significantly increase the value of their points (potentially up to 2 cents per point or more).

Example: A Veteran transferring 60,000 points to a program like Hyatt or United MileagePlus could turn those points into a round-trip flight or several nights at a premium hotel. This is especially beneficial during peak travel seasons when airfare and hotel costs are typically higher.

Pro Tip: You should time your spending to hit the $4,000 requirement within the first three months. Consider using the card for larger purchases like holiday shopping, car repairs, or even recurring bills like insurance premiums. This way, you can quickly hit the bonus threshold without drastically changing your spending habits.

Reward Categories Ideal for Veterans and Military

The Chase Sapphire Preferred® Card offers bonus points in categories that are especially useful for Veterans and military members:

5x points on travel purchased through Chase Travel℠
3x points on dining, including restaurants, takeout, and eligible delivery services
3x points on streaming services like Netflix and Hulu
3x points on online grocery store purchases (excluding Target, Walmart, and wholesale clubs)
2x points on all other travel purchases
1x point on all other purchases

For Veterans who dine out often, the 3x points on dining is a fantastic perk, allowing them to rack up points even on small, everyday purchases. Veterans who rely on delivery services like UberEats or DoorDash can also take advantage of the bonus categories, turning routine purchases into valuable points.

Example: If you spend $500 monthly on dining, that’s 18,000 points (3x) over a year—an amount that can be redeemed for $225 worth of travel or transferred for even more value through Chase’s travel partners.

Military Lending Act (MLA) Benefits for Active-Duty Military

Active-duty military members and their spouses benefit significantly from the protections of the Military Lending Act (MLA). Under this act, Chase waives the $95 annual fee for active-duty military cardholders. Additionally, the MLA caps interest rates at 36% on consumer credit accounts, ensuring that even if a military member carries a balance, they won’t be hit with excessive interest charges.

This fee waiver extends to all personal Chase credit cards for military members, including the card_name and even higher-tier cards like the card_name.

Pro Tip: Military members should confirm their MLA eligibility when applying for the card by selecting “military” as their income source. Chase will automatically verify military status through the Defense Manpower Data Center (DMDC) to apply the fee waiver.

Additional Benefits for Military Members:

No fees for balance transfers or cash advances (only late and insufficient fund fees apply).
Spouses of military members also qualify for these benefits, making it an ideal card for the entire military family.

Learn how to get started with the Chase Sapphire Preferred card here.

Travel Flexibility for Veterans and Military: Not Just Flights and Hotels

One of the standout features of the card_name is the flexibility it provides for Veterans and military members when earning and redeeming rewards. While many travel rewards cards focus solely on flights and hotels, the Sapphire Preferred® allows users to earn bonus points on rideshare services, parking fees, tolls, and bus fares—all of which can be essential for Veterans and military personnel traveling for both work and leisure.

Veterans who commute using public transportation or rideshare apps like Uber or Lyft can earn points on their everyday travel. Similarly, parking garage fees—whether near airports or in busy cities—also qualify for the 2x points on travel, adding extra value for those who drive to destinations or airports.

Points Transfer Partners for Veterans and Military Family Travel

One of the most attractive features of the card_name is its ability to transfer points to travel partners at a 1:1 ratio. This feature provides unmatched flexibility, allowing you to maximize the value of your points by transferring them to loyalty programs like:

United MileagePlus®
Southwest Airlines Rapid Rewards®
Marriott Bonvoy™
Hyatt

Veterans should regularly check Chase’s travel partner promotions. For example, Chase occasionally offers transfer bonuses, where points are worth more when transferred to specific partners like Hyatt or British Airways. These bonuses can increase the overall value of points, allowing you to get more out of your rewards.

Travel Protections for Veterans and Military

Traveling, whether for leisure or work, can come with unexpected surprises, and the card_name provides several travel protections to give Veterans and military members peace of mind while on the road or in the air.

Trip Cancellation/Interruption Insurance: If your trip is canceled due to covered reasons (like illness or severe weather), you can be reimbursed for up to $10,000 per person, per trip, for pre-paid, non-refundable travel expenses such as flights, hotels, and tours.
Primary Auto Rental Collision Damage Waiver: Veterans who rent cars during trips can decline the rental company’s insurance and be covered for theft or damage to the vehicle—saving money on costly insurance policies.
Lost Luggage Reimbursement: If your luggage is lost or damaged by the carrier, you can be reimbursed up to $3,000 per passenger.
Baggage Delay Insurance: If checked baggage is delayed by more than 6 hours, you can be reimbursed for essential items like clothing and toiletries (up to $100 per day for 5 days).

Pro Tip: Always book travel using the Chase Sapphire Preferred® Card to activate these protections. If you rely on another card or payment method, these protections won’t apply. Additionally, keep all receipts and documentation if you need to file a claim for trip cancellations or lost luggage.

Additional Perks for Veterans

Beyond the primary travel rewards, the Chase Sapphire Preferred® Card offers several additional perks that you can take advantage of:

$50 Annual Hotel Credit: Veterans can use this credit toward hotel stays booked through Chase Travel℠, making it easier to reduce accommodation costs on family vacations or work trips.
DashPass Membership: For those who frequently order food delivery, the complimentary DashPass membership (through December 2027) offers $0 delivery fees and reduced service fees on eligible orders.
Instacart+ and Gopuff Credits: You can also enjoy six months of Instacart+ membership and a $10 monthly Gopuff credit through December 2023, which can help with everyday shopping and delivery needs.

Pro Tip: Activate these perks (like DashPass and Instacart+) as soon as you get the card to ensure you get the full benefit of these offers. Many perks require activation within a specific time frame, and missing these deadlines means forfeiting valuable benefits.

Approval Requirements and Credit Limit for Veterans

To qualify for the card_name, Veterans should aim for a FICO score of 690 or higher. Other factors Chase considers include income, existing debt, and credit history. The card offers a minimum credit limit of $5,000, though higher limits are possible depending on creditworthiness.

Veterans should also be aware of Chase’s 5/24 rule, which limits new card approvals if the applicant has opened more than five credit cards in the past 24 months. This rule includes most personal credit cards but excludes certain business cards and other loans.

Pro Tip: Those with multiple credit cards should check their 5/24 status before applying. Tools like Credit Karma or Experian can help you track your credit card approvals and ensure you’re within the 5/24 limits before submitting an application.

Is the Chase Sapphire Preferred® Card Right for Veterans and Military Members?

For Veterans and military personnel who prioritize travel and dining, the card_name offers extensive rewards, flexible redemption options, and travel protections that make it a top choice. While active-duty military members benefit from MLA protections, Veterans still gain tremendous value from the card’s features, making it worth the $95 annual fee.

By using the card strategically, you can maximize your rewards and take advantage of the card’s lucrative signup bonus and ongoing rewards structure.

Written by Veteran.com Team

The editorial team here at Veteran.com works to help the U.S. military community discover the many military benefits available to them. Our team is supported by our Veteran Review Board and its Standard of Care, which all content on Veteran.com is reviewed to meet.

Inside This Article

The card_name’s unique combination of dining and grocery bonus points, generous credits, and nice-to-have perks makes it one of the best credit cards for military members and veterans, especially for those who are eligible for military protections.

Now, a new “refresh” brings more statement credits and updates to existing perks in exchange for an increased annual fee. Let’s look at what’s changing with this Amex Gold Card update.

Overview of the American Express Gold Card for Military

The card_name is highly recommended for those looking to earn significant rewards for travel, dining, and grocery purchases. Although it comes with a hefty annual_fees annual fee before military protections, using the card frequently to maximize redemptions can create sizable and flexible user benefits.

American Express has partnered with two dozen air travel partners so you can tailor your reward redemptions based on your personal preferences. The card also offers perks through American Express Travel for several hotel experiences at home and abroad.

This card offers Plan It and Pay Over Time payment options that allow service members to finance some purchases over time. However, this is not a traditional credit card because some charges must be paid in full.

Although there is no introductory APR for purchases, you can get bonus_miles_full

»MORE: Learn more about the American Express® Gold Card here

Benefits & Perks of the American Express Gold Card for Military Cardholders

bonus_miles_full
Get the American Express® Gold Card in the Gold, Rose Gold, or Limited-Edition White Gold metal design. White Gold design is only available while supplies last.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
Earn 1X Membership Rewards® points per dollar spent on all other eligible purchases.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account, and each month, you will automatically receive $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
$84 Dunkin’ Credit: With the $84 Dunkin’ Credit, you can earn up to $7 in monthly statement credits after enrolling and paying with the American Express® Gold Card at Dunkin’ locations.
$100 Resy Credit: You can get up to $100 in statement credits each calendar year after paying with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That’s up to $50 in statement credits semi-annually. Enrollment is required.
$120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys—enrollment required.
Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit to use towards eligible charges, which may include food and beverage, spa, or other on-property charges with every booking of two nights or more through AmexTravel.com. Credit use varies by property.
No Foreign Transaction Fees.
Annual Fee is annual_fees (before military protections).
See Rates and Fees.

»MORE: See all American Express® Gold Card perks here

How the American Express Gold Card Supports Service Members and Veterans

Under the Military Lending Act, service members receive waived annual and other fees (except late fees and insufficient fund fees).

While it doesn’t apply here, it’s also good to know the Military Annual Percentage Rate (MAPR) must not exceed 36%, and any introductory promotional interest rates must be honored.

Military members and veterans who travel frequently will reap the most benefits from this card. A robust Membership Rewards program allows cardholders to earn up to 4x points on restaurant and grocery purchases, a generous 3x Membership Rewards for flights booked directly with airlines or Amex, and signature perks at select upscale hotels when booking with American Express Travel.

Service members may find the travel partner loyalty program particularly appealing. With more than two dozen air and hotel partners, travelers have great flexibility in using points in ways that suit them best.

There are no foreign transaction fees for service members traveling overseas, which is potentially large savings compared to other cards that often charge 3%.

With American Express Preferred Access, cardholders can access premium seats for select cultural and sporting events based on availability.

»MORE: Learn more about American Express® Gold Card benefits for military

How to Redeem Rewards with the American Express Gold Card

American Express Membership Rewards points are flexible.

The points can be transferred to almost two dozen airline and hotel partners, most at a 1:1 ratio. American Express also offers frequent transfer bonuses to help you maximize your earnings.

When you redeem Membership Rewards points for flights at 1 cent per point via American Express Travel, the flight booked with points will count as a “cash” flight in the airline’s eyes. Depending on the fare code and cost of the ticket, you may earn miles.

You can redeem Membership Rewards for travel, retail, and restaurant gift cards. Rates vary depending on the vendor and fluctuate between 0.5 cents and 1 cent per Membership Reward point. You can also pay with points at several vendors.

The card_name offers redemption flexibility by partnering with travel loyalty programs. Cardholders can transfer rewards with these programs to the following travel partners.

Aer Lingus
AeroMexico
Aeroplan
Air France/KLM
ANA
Avianca LifeMiles
British Airways
Cathay Pacific
Delta Air Lines
Emirates
Etihad Airways
Hawaiian Airlines
Iberia
JetBlue
Qantas
Singapore Airlines
Virgin Atlantic
Choice Privileges
Hilton Honors
Marriott Bonvoy

When transferring to U.S. airlines, you’ll also have to pay a fee of $0.0006 per point, with a maximum fee of $99.

»MORE: Compare the American Express® Gold Card to other top rewards cards here

American Express Gold Card Credit Limit

If you have an American Express Consumer or Business Green, Gold, or Platinum Card, your card does not have a preset spending limit unless you have been previously notified otherwise.

No preset spending limit means the spending limit is flexible, and spending power is determined monthly, depending on the cardholder’s previous spending habits, income, payment history, and other factors.

Annual Fees and Rates for the American Express Gold Card

annual_fees annual fee
Cash Advance Fee is cash_advance_fee
cash_advance_apr APR for cash advances and American Express charging interest on cash advances on the transaction date.
$0 foreign transaction fee
No introductory purchase APR
Late Payment
Up to $40 late payment fee
Up to $40 returned payment fee

The card_name may not let you carry a balance from month to month on all of your purchases. You may be able to use the Pay Over Time benefit for a portion of your purchases. Your due date is at least 25 days after the close of each billing period.

American Express will not charge interest on charges automatically added to a Pay Over Time balance if you pay your Account Total New Balance each month on your billing statement.

»MORE: Compare the fees and rates of all top rewards cards here

How to Get Approved for the American Express Gold Card

You’ll need at least a good to excellent credit score to qualify for the Amex Gold card. A good credit score is generally considered a FICO score of 670 to 700 or higher.

Other factors considered in the overall approval process include your income, debts, number of open accounts, current employment, housing status, and payment history.

American Express has updated its application process with more transparency so you can see if you are approved without impacting your credit score. After you submit your application, American Express will let you know if you’re approved first. Your score may only be impacted if you’re approved and you accept the card offer.

» Next Step: Know if you’re approved with no credit score impact.

How Does the American Express Gold Card Compare With Other Cards for Military Members?

This is how the card_name compares to other similar cards.

Is the American Express Gold Card Right for You?

Membership Rewards are a powerful and versatile tool for military members and veterans who travel frequently for work or pleasure. However, to offset the somewhat high annual_fees annual fee, you’ll need to be an active card_name user or be eligible for military protections.

Pros

High rewards earnings possibilities
Points transfer option to many partners
$0 foreign transfer fee
bonus_miles_full

Cons

Limited options to carry a balance
High APR for Pay Over Time feature
No introductory purchase APR
annual_fees annual fee

»Next Step: Learn how to apply for the American Express® Gold Card

Written by Jeff Ousley

Jeff Ousley is an Air Force veteran and mortgage credit specialist passionate about guiding people toward homeownership.

Inside This Article

The card_name offers a flat 1.5% cash back on all purchases with a $0 annual fee. It also offers a 0% intro APR on purchases and balance transfers for 15 months with a reg_apr,reg_apr_type APR after that.

Rewards are easy to track and accumulate because there are no bonus or rotating categories to monitor or manage.

While other cards may offer higher rewards, the straightforward and wide range of perks and benefits could make the Quicksilver Cash Rewards Card a great choice for you.

Overview of the Capital One Quicksilver Cash Rewards Credit Card

The card_name is a solid choice for service members who value simplicity and a good bundle of rewards during the introductory period and beyond.

You’ll enjoy a 0% intro APR on purchases and balance transfers for 15 months, 1.5% cash back on every purchase, and 5% cash back on hotels and rental cars booked through Capital One Travel.

Another attractive benefit is a $0 foreign transaction fee, which is worth noting for military members stationed outside the United States.

Service members can also earn a bonus_miles_full. Other reward cards may have higher introductory rewards but often come with annual fees and higher spending requirements.

This card also comes with several rewards that are standard for most Capital One cards, including fraud and extended warranty protection, easy ways to redeem accumulated cash-back rewards, concierge services, travel accident insurance, and more.

You’ll also need a credit score of 670 or above to qualify for approval.

»MORE: Learn more about the Capital One Quicksilver Cash Rewards Credit Card

How the Capital One Quicksilver Cash Rewards Credit Card Supports Service Members and Veterans

Service members traveling abroad can take advantage of $0 foreign transaction fees vs. many others that come with 3% fees instead. The unlimited 5% cash back perk on hotels and rental cars booked through Capital One Travel is another great benefit, especially if you travel frequently with family members to foreign locales.

You will also appreciate the simplicity of tracking rewards since there are no rotating categories requiring your attention.

Also, under the Military Lending Act, service members receive waived annual and other fees, except late fees and insufficient fund fees. In addition, the Military Annual Percentage Rate (MAPR) must not exceed 36%, and any introductory promotional interest rates must be honored.

»MORE: See the full list of Capital One Quicksilver Cash Rewards Credit Card benefits here

Benefits & Perks of the Capital One Quicksilver Cash Rewards Credit Card for Military Cardholders

Earn a bonus_miles_full
Earn unlimited 1.5% cash back on every purchase, every day
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
$0 annual fee
No foreign transaction fees
Up to 6 months of complimentary Uber One membership statement credits through November 2024
No rotating categories or sign-ups to earn cash rewards
Cash back rewards won’t expire for the life of the account, and there’s no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months
3% balance transfer fee on amounts transferred within the first 15 months
Extended warranty protection automatically doubles the original manufacturer’s/store’s warranty on eligible purchases when you use your card to pay for a product
24/7 complimentary concierge service
A card lock feature stops transactions if your card is ever lost or stolen
CreditWise tool allows you to monitor your VantageScore 3.0 credit score
Get optional alerts if Capital One notices potentially fraudulent activity
$0 fraud liability coverage if your card is lost or stolen
Get automatic travel accident insurance for a covered loss at no extra charge when you use your credit card to purchase your fare
Tap to pay at checkout means you do not have to hand your card over to the cashier

How to Earn and Redeem Rewards with the Capital One Quicksilver Cash Rewards Credit Card

Earning Rewards

Cardholders earn 1.5% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Travel. There are no featured purchase categories or seasonal earnings rates, so keeping track of rewards is simple.

There are no annual earning limits or expiration dates as long as the account is open.

Service members can earn a bonus_miles_full.

Redeeming Rewards

Redeeming rewards is as simple as earning them.

Customers can request cash back at any amount, such as a check or statement credit, or service members can set up automatic redemptions at a set time each year or at a specific cash value. You can also redeem your rewards for travel through the Capital One travel website, or you can link your rewards account with Amazon to apply rewards toward Amazon purchases at a penny a piece in value.

Cardholders can also redeem rewards for gift cards at variable rates, but you’re better off buying the gift card you need instead of redeeming rewards directly.

»MORE: Compare the Capital One Quicksilver Cash Rewards Credit Card to other top rewards cards here

Capital One Quicksilver Cash Rewards Credit Card Credit Limit

The card_name credit limit depends on income, creditworthiness, payment history, and other factors when you apply for the card. Most approved applicants get a credit limit ranging from as low as $1000 to as high as $10,000.

Annual Fees and Rates for the Capital One Quicksilver Cash Rewards Credit Card

0% introductory APR on purchases for 15 months
0% introductory on balance transfers for 15 months
Regular APR is reg_apr,reg_apr_type
$0 annual fee
3% balance transfer fee
3% cash advance fee, but not less than $3
$0 foreign purchase transaction fee
Late payment fee of up to $40

How to Get Approved for the Capital One Quicksilver Cash Rewards Credit Card

The card_name typically requires a credit score of 670 or above to qualify for approval.

Your credit score is important but only one of the factors for approval. Capital One will examine your income, debts, number of open accounts, employment status, housing status, payment history, and other factors as part of an overall approval process.

If you’re strong in some of these other areas, you may be able to qualify with a slightly lower credit score in some cases.

»MORE: See how the Capital One Quicksilver Cash Rewards Credit Card stacks up against other top cards

How Does the Capital One Quicksilver Cash Rewards Credit Card Compare With Other Cards for Military Members?

This is how the card_name compares to other similar cards.

Conclusion: Is the Capital One Quicksilver Cash Rewards Card Right for You?

If you’re looking for simplicity in tracking your rewards, low costs, and other solid perks, the card_name may be a good choice for you.

First-year offers that include an easy-to-attain welcome bonus, 0% intro APR on purchases and balance transfers for 15 months, and no foreign transaction fees are good reasons for service members to consider adding this card to their credit portfolio.

Pros

No spending category enrollment
No cash-back rewards limits
No foreign transaction fee
Low spending requirement to earn intro bonus
Good travel and shopping protections
Easy application process

Cons

3% balance transfer fee
High APR after intro period
670 FICO score needed for approval
Other cards may have better bundles of perks and benefits

»Next Step: Learn how to apply for the Capital One Quicksilver Cash Rewards Credit Card

Written by Veteran.com Team

The editorial team here at Veteran.com works to help the U.S. military community discover the many military benefits available to them. Our team is supported by our Veteran Review Board and its Standard of Care, which all content on Veteran.com is reviewed to meet.

Inside This Article

If you’re an active-duty service member or military spouse exploring premium credit card options, you may have heard that American Express offers generous military protections, especially when it comes to its fees. But does American Express actually reduce certain fees for eligible military members?

The short answer is yes, but the details matter.

Thanks to protections under the Servicemembers Civil Relief Act (SCRA) and the Military Lending Act (MLA), qualifying service members may be eligible for fee relief on some of Amex’s top-tier cards, including The Platinum Card®.

In this article, we break down how these laws apply, who qualifies, and what steps you need to take to get the benefit.

» Next Step: Unlock Your American Express Platinum Card Benefits Today

SCRA Relief from American Express

American Express provides financial relief under the SCRA for eligible military members with credit accounts opened before entering active duty. This includes personal and business credit cards, as well as closed-end loans.

Once approved, Amex caps your interest rate at 6%, which includes certain fees such as annual membership fees, late fees, and returned payment fees, for the duration of your active-duty service.

To qualify, you must:

Be an active duty member of the Army, Navy, Air Force, Marine Corps, Coast Guard, Space Force, or a commissioned officer of the Public Health Service or NOAA
Be a reservist or National Guard member called to active duty under qualifying federal orders
Submit your request no later than 180 days after leaving active duty

SCRA relief is not automatic. You must submit a request to American Express, usually along with proof of active duty service, such as military orders.

MLA Relief from American Express

If you open a consumer American Express credit card while already on active duty, you may be eligible for automatic relief under the Military Lending Act (MLA).

American Express uses Department of Defense records to verify your status at the time of application. If you’re eligible, certain cost protections—including limits on fees and interest charges—are automatically applied to your account.

The MLA limits the Military Annual Percentage Rate (MAPR) to 36%. This rate includes applicable interest charges and certain fees, which may reduce the overall cost of carrying a credit card while on active duty.

To be eligible, you must be:

A regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast Guard, serving on active duty under a call or order that does not specify a period of 30 days or less, or such a member serving on Active Guard and Reserve duty
A spouse, child, or other qualifying dependent of an active-duty servicemember
An individual for whom the member of the Armed Forces provides more than one-half of the individual’s support for 180 days immediately preceding an extension of consumer credit

Understanding Your Benefits

Together, SCRA and MLA protections can reduce the cost of owning a credit card for eligible military families. While the specific relief depends on when you opened the account and your duty status, both programs are designed to ease the financial burden of military life.

For more information or to request relief, visit the American Express Military Benefits page or refer to your Card Member Agreement.

Why the Amex Platinum Is a Great Card for Active Duty Military

The Platinum Card® from American Express stands out as an exceptional choice for active-duty military personnel. The annual_fees annual fee (See Rates and Fees) is not charged by American Express each year you’re on active duty, making it an incredible value.

Platinum cardholders enjoy extensive travel benefits, including access to over 1,400 airport lounges worldwide through Amex’s Global Lounge Collection. This includes Centurion Lounges, Priority Pass lounges (with enrollment), and Delta Sky Club^® when flying with Delta on the same day. Starting February 1, 2025, Amex Platinum card members will have 10 Delta Sky Club^® visits per year, with unlimited visits possible after spending $75,000 in a calendar year.

Additional travel perks include savings on flights through Amex’s International Airline Program and exclusive benefits at luxury hotels through the Fine Hotels & Resorts Program.

The Platinum Card also offers a variety of annual credits: up to $200 for airline fees on a selected airline, up to $200 in Uber Cash for U.S. Uber purchases when linked to the card, up to $100 for Saks Fifth Avenue purchases (with enrollment), and up to $85 for TSA PreCheck® or $120 for Global Entry application fees. These credits can total up to $600 annually.

Cardholders earn 5 Membership Rewards Points per dollar on flights booked directly with airlines or through American Express Travel®, up to $500,000 per calendar year. They also earn 5 points per dollar on prepaid hotels booked through American Express Travel® and 1 point per dollar on other eligible purchases.

Moreover, service members can still benefit from the welcome bonus despite not paying the annual fee. New Platinum cardholders can earn 80,000 Membership Rewards Points after spending $8,000 on eligible purchases within the first six months of membership.

Features:

bonus_miles_full
Access to the Global Lounge Collection, including over 1,200 airport lounges worldwide
$200 a year for airline incidental fees
$200 Uber credit each year
Fine Hotels & Resorts program, offering exclusive benefits at over 1,000 luxury hotels worldwide
Complimentary Platinum Concierge service, available 24/7 to assist with travel, dining, and entertainment reservations
No foreign transaction fees

Benefits:

Enjoy VIP treatment and exclusive access to luxury experiences
Earn Membership Rewards points, which can be redeemed for travel, merchandise, and more.
Receive automatic elite status with hotel and car rental loyalty programs
Travel with peace of mind, thanks to travel insurance and other protections
Enjoy the convenience of contactless payment technology and mobile wallet compatibility

American Express® Gold Card

The annual_fees annual fee for the American Express® Gold Card might seem steep, but the card offers many valuable benefits.

At a glance, this card offers some fantastic rewards rates. You can earn 4X Membership Rewards® points for every dollar spent at restaurants worldwide, up to $50,000 in purchases per calendar year, and then it drops to 1X points for the rest of the year.

Similarly, you’ll earn 4X points at US supermarkets on up to $25,000 in purchases per calendar year, then 1X points after that.

For travel enthusiasts, you get 3X points on flights booked directly with airlines or on AmexTravel.com. Additionally, you’ll earn 2X points on prepaid hotels and other eligible purchases made through AmexTravel.com.

And for all other eligible purchases, you can still earn 1X point per dollar spent. This card is designed to maximize your rewards across a variety of spending categories.

Additionally, you can bonus_miles_full This is a generous window to earn one of the card’s largest bonus offers.

Further perks include up to $10 monthly dining credits at select restaurants and Uber Cash for rides or eats in the U.S., adding up to substantial annual savings.

» MORE: Learn more about the American Express Gold Card and how to apply in our full review.

Blue Cash Preferred® Card from American Express

For those who focus their spending on domestic necessities, the Blue Cash Preferred® Card offers 6% cash back at U.S. supermarkets (on up to $6,000 per year) and on select U.S. streaming subscriptions, 3% back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses, and more), and 1% back on other purchases. Given its cash back on everyday purchases, it’s an excellent complement to the travel-focused benefits of other AMEX cards.

Other American Express Cards Eligible for SCRA or MLA Benefits

The following cards from American Express are also eligible for SCRA or MLA benefits:

American Express Platinum Card® for Schwab
American Express® Green Card
Marriott Bonvoy Brilliant® American Express® Card
Marriott Bonvoy Bevy® American Express® Card
Delta SkyMiles® Reserve American Express Card
Delta SkyMiles® Platinum American Express Card
Delta SkyMiles® Gold American Express Card
Hilton Honors American Express Aspire Card
Hilton Honors American Express Surpass® Card

Why Does American Express Offer These Military Credit Card Incentives?

The Servicemembers Civil Relief Act (SCRA) and the Military Lending Act (MLA) are federal laws designed to provide various protections to military personnel. These laws aim to ease financial burdens and offer legal protections that allow servicemembers to devote their full attention to their duties while securing their peace of mind about certain financial and legal obligations.

Key Provisions of SCRA and MLA

SCRA Benefits:

Reduced Interest Rates: SCRA caps interest rates at 6% per year on credit obligations incurred before military service, including credit cards, mortgages, and other loans.
Foreclosure and Eviction Protections: Provides protection from eviction and foreclosure under certain conditions for active duty members.
Contract Termination Rights: Allows servicemembers to terminate certain contract obligations such as automobile leases, cellphone contracts, and housing rentals without penalty in instances of deployment or reassignment.

MLA Benefits:

Cap on Interest and Fees: The MLA limits the total charge on most types of consumer loans to a military annual percentage rate (MAPR) of 36%, which includes interest and other fees.
No Mandatory Waivers: Prohibits creditors from requiring servicemembers to submit to mandatory arbitration or give up certain rights under federal or state law.
Loan Disclosure Requirements: Lenders must provide clear disclosures about the loan costs and terms.

This military interest rate limit is set so that military credit users are charged “no more than six percent per year, including most fees.” But this is not an automatic benefit; it must be applied for including when you apply for an American Express Platinum card or any other type of AMEX credit. Claiming both your military discount on a credit card AND getting additional SCRA consideration is a smart move.

» MORE: The American Express Platinum Card offers strong benefits for Military

How to Request SCRA and MLA Relief from American Express

American Express offers financial relief for eligible military members under the Servicemembers’ Civil Relief Act (SCRA) and the Military Lending Act (MLA). Here’s how each works—and how to request SCRA relief if you qualify.

Requesting SCRA Relief

If you opened your American Express account before entering active duty, you may be eligible for SCRA relief. To receive this benefit, you’ll need to submit a request and provide documentation verifying your active duty status.

You can submit your SCRA request in the following ways:

Online (fastest method):
Log in to your American Express Online Services account and submit your request through the Document Center. You can upload documents such as:
- Active duty orders
- PCS (Permanent Change of Station) orders
- DD-214 (for past service)
- Letters from your commanding officer
Note: Your Card must be enrolled in Online Services to use this option.
Phone:
Call the number on the back of your Card, or reach Amex directly at 1-800-253-1720. From overseas, call collect at 1-336-393-1111.
Fax:
Send your documentation to 623-444-3000. Be sure to include your American Express account number.
Mail:
American Express
Attn: Servicemembers Civil Relief Act
PO Box 981535
El Paso, TX 79998-1535
Include a copy of your active duty documentation and your account number.

Once your request is submitted, American Express will notify you of the status within two billing cycles.

Understanding MLA Relief

If you apply for a consumer Amex card while already on active duty, you may be eligible for MLA relief. This benefit is applied automatically—you don’t need to submit a request. American Express verifies your active-duty status through Department of Defense records at the time you apply.

To ensure accurate eligibility, make sure your information is current with the DoD.

How to Check if You Will Receive SCRA or MLA Protections

The simplest way to check if you will receive MLA or SCRA protections on your account is to check the MLA Database or SCRA Database.

The MLA and SCRA database are the same databases that the credit card companies check to determine if you qualify for MLA or SCRA benefits.

If you are not listed as eligible in these databases, you will not receive MLA and SCRA benefits applied to your account. You must be listed as eligible in these databases for the credit card companies to apply your military benefits.

SCRA Benefits Do Expire

When you claim SCRA benefits under any credit card provider, including American Express, your benefits include forgiveness of interest incurred above six percent, which is applicable retroactively for debts you had before starting your military career. That means that if you already had an American Express card before you served, you could find a refund is due depending on the interest rate and other factors.

The catch is that you have a time limit to claim such SCRA benefits-you can claim them as many as 180 days after the end of military service. When you file your SCRA notice with any creditor, AMEX or otherwise, the creditor is required to fully forgive, rather than defer until later, the amount of interest greater than six percent per year that may be affected by your SCRA rights.

» Next Step: Learn more about The Platinum Card® from American Express

To see the rates and fees for the American Express cards featured, please visit the following: Rates and Fees.

Written by Joe Wallace

Joe Wallace is a 13-year veteran of the United States Air Force and a former reporter for Air Force Television News.

Inside This Article

Active-duty U.S. military members are eligible to receive financial relief and protections under the Servicemembers Civil Relief Act (SCRA).

The SCRA is a revision of the Soldiers’ and Sailors’ Civil Relief Act of 1940, which received significant updates in 2003. The act restricts or limits actions against military personnel currently serving on active duty. It was designed to ease the financial burden for active-duty service members, active reservists, and active Guards—especially those who are deployed.

Military personnel become eligible for SCRA benefits on the date they receive their active-duty orders. SCRA coverage typically terminates within 30 to 90 days after their discharge from active duty.

The Servicemembers Civil Relief Act includes protections and provisions which cover:

Credit card interest rates (capped at 6%)
Cellular service provider contracts
Termination of:
- Rental agreements
- Automobile leases
- Phone service
Suspension of professional liability insurance
Right to continue to vote at state, federal and local levels
Security deposits
Evictions
Installment contracts
Mortgages
Protection against default judgments
Postponement of foreclosures and repossessions
Postponement of civil judicial proceedings (including family law proceedings)
Deferred income tax payments
Protection for small-business owners
Prevents storage facilities from selling your belongings for past-due rent (owners must provide a court order)
Spousal Military Spouse Residency Relief Act (MSRRA) rights and the ability to end a lease if the service member dies while on active-duty orders

SCRA Eligibility

The SCRA covers all active-duty military members, including those in the Army, Air Force, Coast Guard, Marine Corps, Navy, Space Force, reserves and National Guard. SCRA only applies to reservists and members of the National Guard when they’re serving on active-duty orders. Commissioned officers in active service of the Public Health Service and the National Oceanic and Atmospheric Administration are also covered.

SCRA relief and protections can also apply to the spouses and children of the qualified service member, as well as to any individual who relied on the service member for at least 50% of their support for 180 days before using the act. If you’re unsure whether SCRA applies to you, your base Legal Assistance Office can help you determine eligibility.

The simplest way to check if you will receive MLA or SCRA protections on your account is to check the MLA Database or SCRA Database.

The MLA and SCRA database are the same databases that the credit card companies check to determine if you qualify for MLA or SCRA benefits.

If you are not listed as eligible in these databases, you will not receive MLA and SCRA benefits applied to your account.

You must be listed as eligible in these databases for the credit card companies to apply your military benefits.

SCRA Credit Card and Loan Benefits

Under the Servicemembers Civil Relief Act, most major banks and credit-card-issuing companies will offer a refund on interest and annual fees for certain financial obligations that a service member incurred before active-duty military service. Banks will also lower the interest rates on loans that existed before the service member joined the military.

In general, American Express, Chase, and some other banks provide relief on certain fees, including the annual fees on credit cards for eligible active duty, Guard and Reserve on 30 day or greater active orders, and dependent spouses. This includes the $695 annual fee on The Platinum Card® from American Express (learn more here).

For example, if you bought a car before serving on active duty and your current interest rate is 18%, you can invoke your SCRA benefits to lower the rate to 6%.

The interest-rate cap applies to all debts incurred before entry into active-duty service, including student loans, credit cards, mortgages and car loans, and it remains in effect for the duration of a service member’s active-duty service.

The lender must forgive, not merely postpone, interest above 6% and must reduce the amount of the monthly payment to reflect the lower interest rate.

To receive SCRA benefits, provide lenders with a written request and orders for active duty.

SCRA Lease and Rental Benefits

Additionally, SCRA allows individuals to break their leases when they go onto active duty if they entered into the lease before going on active duty. Also, if a service member enters into a residential lease while in the military and then receives orders to move to a new assignment or to deploy for at least 90 days, the act allows the service member to terminate the lease.

Service members and their families could become locked into untenable lease agreements because of a stop-movement order. For example, they might have entered a new lease agreement before a permanent-change-of-station move. When the stop-movement order canceled their move, they could be forced to pay two rents. Under SCRA, a service member caught in such a bind can terminate the second lease.

A service member may seek protection from eviction from a rented or leased property under SCRA. The service member or family member who has received a notice of eviction must submit a request to the court for protection under the SCRA. If the court finds that the service member’s military duties materially affected the family’s ability to pay rent on time, the judge may order a stay, or postponement, of the eviction proceeding for up to three months or make any other just and reasonable order.

Automobile Benefits

Military members may also terminate automobile leases in certain circumstances. Just as with residential leases, if a service member enters into an automobile lease before going on active duty, they may request termination of the lease upon entering active duty. However, for this to apply, the active duty must be for at least 180 continuous days.

Receive SCRA Benefits from Lenders

To receive benefits under the SCRA, you must affirmatively invoke or request relief through paperwork. The lender will verify your active-duty military status before you will receive benefits. A letter containing the following information is typically sufficient:

Account number
Start date of active-duty service
A request for a reduction in interest rate under the SCRA
A copy of active-duty orders

Note: On-base legal offices often have SCRA letter templates that can be used.

This process varies depending on the company. While some lenders require you to provide notification immediately, others may have a window of 30-180 days. We’ve also prepared a list of companies offering SCRA benefits so that you can easily apply SCRA protections and provisions to your eligible accounts and loans.

For more information on your SCRA benefits, please contact your base Legal Assistance Office, or visit the official website of Servicemembers Civil Relief Act.

SCRA Enforcement

The Justice Department’s Civil Rights Division was created in 1957 by the enactment of the Civil Rights Act of 1957. The act upholds the civil and constitutional rights of all Americans, particularly some of the most vulnerable members of society. As part of its work, the Civil Rights Division enforces the SCRA.

The SCRA authorizes the attorney general to file a federal lawsuit against any person or entity that violates this law. When a lawsuit is filed under the SCRA, the attorney general has the authority to seek monetary damages on behalf of individual service members and has the authority to seek civil penalties, as well as different types of remedies or reliefs.

Military Spouses Residency Relief Act (MSRRA)

MSRRA became law in November 2009 and changed some rules of taxation for service members and their spouses. Under the new law, a military spouse who is present with a service member on active-duty orders can choose to pay tax on wages earned in their domicile state (permanent residence), their spouse’s state of residence or their state of residence.

The spouse would have to pay taxes to the state of domicile if the laws of that state required such payments.

Understanding Military Protections: SCRA and MLA Relief

Before diving into the card’s many benefits, it’s essential to understand the protections that military members can access under the SCRA and MLA. These federal laws were designed to ease financial pressures on military members during active-duty service.

Servicemembers Civil Relief Act (SCRA) Overview

The Servicemembers Civil Relief Act provides protections to active-duty military members regarding pre-existing financial obligations, including credit cards.

If you opened your Amex Platinum account before joining active duty, you might be eligible for protections that include a cap on interest rates (no more than 6%) and relief from certain fees, including late fees and penalties.

However, the exact benefits vary based on individual circumstances, and military members must apply for SCRA protections to receive these benefits.

How to Apply for SCRA Relief

Log into your American Express account online and submit a request for SCRA relief.
You will need to provide supporting documentation, such as your active-duty orders or a letter from your commanding officer.
Once processed, Amex typically applies SCRA protections within two billing cycles, and eligible fees will be credited back.

Military Lending Act (MLA) Overview

The Military Lending Act provides more comprehensive protections for accounts opened while on active duty, offering relief for various credit card fees, including annual fees.

Importantly, when military members open a new Amex Platinum account while serving, the MLA automatically applies these protections.

Unlike the SCRA, no application is required—Amex determines eligibility based on data from the Department of Defense.

MLA Relief in Action

Military members who open a Platinum Card while on active duty will automatically benefit from protections that limit fees and other financial obligations.
This relief is typically processed automatically, but it’s still a good idea to ensure your active-duty status is correctly listed in the Department of Defense’s database.

Key Takeaway: Both the SCRA and MLA ensure that military members enjoy significant financial protections while holding the Amex Platinum Card. The protections may reduce or eliminate fees and interest, providing financial peace of mind during active service.

The simplest way to check if you will receive MLA or SCRA protections on your account is to check the MLA Database or SCRA Database.

The MLA and SCRA database are the same databases that the credit card companies check to determine if you qualify for MLA or SCRA benefits.

If you are not listed as eligible in these databases, you will not receive MLA and SCRA benefits applied to your account.

Why We Love The Amex Platinum for Military Service Members

The Amex Platinum is well-known for its premium travel and lifestyle benefits. When paired with military-specific protections, it becomes a highly valuable tool for military personnel.

Below is a detailed look at the card’s benefits and how military members can take full advantage of them.

Global Lounge Access is a Lifesaver for PCS and Frequent Travelers

One of the standout features of the Amex Platinum is its extensive airport lounge access. Military members who frequently PCS (Permanent Change of Station) or travel for deployments can benefit greatly from the card’s Global Lounge Collection.

Centurion Lounges: Exclusive to American Express cardholders, these lounges provide complimentary gourmet food, premium drinks, and quiet spaces to work or relax.
Delta Sky Clubs: Available when flying on Delta Airlines, these lounges are perfect for those frequently traveling domestically with Delta.
Priority Pass Select Membership: Enrollment required. Access over 1,400 lounges worldwide. Whether stationed abroad or traveling for leisure, military members can find comfortable spaces in major airports across the globe.

For servicemembers stationed overseas or making long domestic trips during PCS moves, having access to lounges can transform travel days—especially when traveling with family.

Lounge access allows for comfortable layovers, with food, Wi-Fi, and rest areas that make even the most stressful trips more manageable.

The $200 Airline Fee Credit Helps Cover Baggage and Travel Expenses

The $200 annual airline fee credit is designed to offset incidental fees charged by your chosen airline. These include baggage fees, seat upgrades, in-flight refreshments, and even lounge access (for airlines outside of the Global Lounge Collection).

How it Works:

Each calendar year, cardholders receive up to $200 in statement credits for eligible fees charged by their chosen airline.
You must select one airline per year through your American Express account, and any incidental fees charged by that airline will automatically trigger the credit.

Uber Cash: $200 in Annual Credits

The Amex Platinum Card provides up to $200 in Uber Cash annually. Each month, cardholders receive $15 in Uber Cash, with an additional $20 bonus in December. This credit can be used for Uber rides or Uber Eats orders. Those stationed in urban areas or frequently traveling to new locations will find this perk especially useful.

Hotel Elite Status: Marriott Bonvoy and Hilton Honors Gold Status

With the Amex Platinum Card, military members automatically receive Gold Status in both the Marriott Bonvoy and Hilton Honors loyalty programs.

Marriott Bonvoy Gold Status: Benefits include room upgrades, late checkouts, and bonus points on stays. Marriott properties are commonly found near many military bases, making this status especially useful.
Hilton Honors Gold Status: Enjoy complimentary breakfast, room upgrades, and additional points on stays.

If you often stay in hotels during relocations or travel for leisure, having elite status at two major hotel chains can result in significant savings and enhanced travel experiences, such as free breakfast and better rooms.

$100 Saks Fifth Avenue Credit

Cardholders receive up to $100 in annual statement credits for purchases made at Saks Fifth Avenue. This benefit is split into two $50 credits—one available from January through June, and the other from July through December.

While this benefit might not seem essential, it provides an opportunity for military families to enjoy luxury shopping without paying full price. Whether buying gifts or indulging in a personal treat, the credit can be used for quality purchases at Saks.

$240 Digital Entertainment Credit

The Platinum Card offers up to $20 per month in statement credits for eligible digital streaming services, such as Disney+, Hulu, ESPN+, and The Wall Street Journal.

These days, most people have at least one streaming entertainment service. This perk is a great way to stay connected during downtime and save on something you were likely already paying for anyway.

Rewards and Points Earning Potential

In addition to these perks, card_name offers excellent rewards-earning potential, particularly for those who travel frequently.

Earning Membership Rewards Points

5X Points on Flights: Earn 5X Membership Rewards points on flights booked directly with airlines or through American Express Travel®, up to $500,000 per calendar year.
5X Points on Hotels: Earn 5X points on prepaid hotels booked through American Express Travel®.
1X Points on Other Purchases: For everyday spending, cardholders earn 1X Membership Rewards point for each dollar spent.

For servicemembers and their families who book travel for vacations, PCS moves, or even deployments, the 5X points on flights and hotels can quickly add up. These points can be redeemed for future travel, transferred to airline or hotel partners, or used for other purchases.

Redeeming Membership Rewards Points

Membership Rewards points can be redeemed in several ways, but the most valuable redemptions are typically for travel through American Express Travel® or transfers to airline and hotel partners.

Transfer Partners:

American Express has transfer partnerships with over 20 airlines and hotel chains, including Delta SkyMiles, Hilton Honors, Marriott Bonvoy, and British Airways.
Transferring points to these partners often results in higher value per point, especially when booking premium flights or luxury hotel stays.

Transferring points to airlines can help you upgrade to first-class tickets for long flights or book free hotel stays during family vacations, making travel more affordable.

Comparing The Amex Platinum to Other Military Credit Cards

How does card_name compare to other top military-friendly credit cards? Here’s a breakdown of key features:

Feature	Amex Platinum	USAA Eagle Navigator	Navy Federal Flagship Rewards	Chase Sapphire Reserve
Annual Fee (before relief)	annual_fees	$95	$49	$550
Welcome Bonus	80,000 points after $8,000 spend	50,000 points after $3,000 spend	40,000 points after $4,000 spend	50,000 points after $4,000 spend
Rewards Rate	5x on flights, 1x on other	2x on all purchases	3x on travel, 2x on other	3x on travel, 1x on other
Lounge Access	Global Lounge Collection	None	None	Priority Pass Select
Foreign Transaction Fees	None	None	None	None

Maximize Military Protections and Rewards with the Amex Platinum

card_name provides military members with an unparalleled combination of premium travel rewards and essential military protections under the SCRA and MLA. Whether you’re traveling for duty or leisure, the card’s benefits—including lounge access, hotel elite status, and annual travel credits—make it a powerful tool for servicemembers and their families.

By leveraging military protections and maximizing Membership Rewards points, The Platinum Card becomes an essential financial tool, offering comfort, convenience, and savings.

» Next Step: .

Veteran.com has partnered with CardRatings for our coverage of credit card products. Veteran.com and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the authors alone, and have not been reviewed, endorsed or approved by any of these entities.

Written by Joe Wallace

Joe Wallace is a 13-year veteran of the United States Air Force and a former reporter for Air Force Television News.

Inside This Article

From generous rewards and huge sign-up bonuses to travel rewards and low APRs, some credit cards available to military service members and their spouses outperform other credit cards.

Military banks and credit unions, traditional banks and online lenders offer military credit cards. Some come with annual fees, while others charge no fees but require a good to excellent credit score.

Read on to find one that fits your specific needs.

American Express Benefits for Military

American Express capitalizes on Servicemembers’ Civil Relief Act (SCRA) protections by waiving their annual fees for military personnel and their spouses. American Express also offers some of the highest reward points anywhere, and you get to choose for a line-up of cards that are accepted just about everywhere. Check out these features and choose for yourself.

American Express Gold Card

The American Express Gold card comes with a $250 annual fee that is waived for US military service members and their spouses. There are also no foreign transaction fees, so you can travel OCONUS TDY, PCS or just for fun without worry.

Additional benefits include:

60,000 Membership Reward points when you spend $4000 in the first 6 months of opening an account.
4x points on restaurants, including takeout and delivery
4x points on US supermarkets and OCONUS Commissaries (up to $25,000 per year).
5x points on hotels prepaid at amextravel.com
3x points on flights booked on amextravel.com or directly with the airline.!

American Express Platinum Card

The American Express Platinum card is the top dog among credit cards. It has a $695 annual fee that is waived for all military personnel and their spouses. Plus, you can earn 100,000 membership points when you spend $6,000 in the first 6 months. That’s a value of $2,000+. In addition, you’ll get all of these great benefits:

10x points at restaurants worldwide or when you Shop Small in the US.
5x points on airfare booked on amextravel.com or directly with the airline.
5x points on hotels at amextravel.com when prepaid ahead of time.
$200 annual hotel credit when booked on Amex Travel and paid for with your card.
$240 digital entertainment credits (restrictions apply).
$200 Uber Cash on Uber Eats and rides
$200 airline fee credits per calendar year.
No foreign transaction fees

Learn more about American Express credit cards.

Chase Sapphire Benefits for Military

All active-duty military service members and their spouses enjoy no annual fees on all Chase personal credit cards. Chase Sapphire Preferred and Sapphire Reserve cards top our list of best cards for military personnel. While the Preferred card offers 10,000 more sign-up bonus points, the Reserve credit card offers an o ongoing $300 annual travel credit.

Sapphire Preferred for Military

$95 annual fee waived for military service members and their spouses.
No fees ever, except for late fees and insufficient-funds fees.
Earn 60,000 Chase Ultimate points after you spend $4000 in the first 3 months of card membership.
$50 annual Ultimate Rewards hotel credit.
5x on travel purchased through Chase Ultimate Rewards.
3x on dining and 2x on all other travel purchases.
3x points on dining (includes takeout, delivery, and dine-in)
3x points on select streaming services
No foreign transaction fees
After one year, upgrade to a Chase Sapphire Reserve

Chase Sapphire Reserve for Military

An annual fee of $550 is waived for US military and their spouses.
$300 annual travel credit, including taxis, Uber and car rentals.
Earn 50,000 bonus points when you spend $4,000 in the first 3 months of opening your account
3x points on restaurants and travel worldwide
10x points on car rentals and hotels when you book your travel through Chase Ultimate Rewards.
When you use your card, you get automatic travel insurance, including trip cancellation and interruption, lost baggage, and auto rental collision.
Global entry sign-up fee of $100 reimbursed every 4 years.
No foreign transaction fees.

Learn More About the Chase Credit Cards.

Citi Double Cash Card for Military

Citi Bank offers 0% APR and waives all annual fees and other fees such as late fees and balance transfer fees, during active duty. Plus, you can earn 1% back on every dollar you spend and 1% back on every dollar you pay off on your account balance. You will likely need good to excellent credit to qualify for this card.

Rewards rate of 1% + 1%
No annual fee for service members and their spouses.
No balance transfer fees charged on SCRA-eligible accounts
You will pay foreign transaction fees and there is no current sign-up bonus.

Capital One Venture Rewards Credit Card

If you travel or plan to travel, the Capital One Venture Rewards credit card can’t be beaten. Although they offer no points or awards, you do get travel miles each time you use your card. Capital One also waives all credit card fees and caps interest rates at 4% when on active duty and for one year afterward.

60,000 travel miles once you spend $3,000 on purchases within 3 months.
Earn 2 miles per dollar on most purchases.
No foreign transaction fees.

The USAA Rate Advantage Visa Platinum Card

The USAA Platinum Visa card offers a low-interest rate of only 4% during PCS or deployment. However, cash advances and balances transfers come with a 3% fee, and you must be a USAA member to apply.

0% annual fee for service members (both active and retired) and their spouses.
No foreign transaction fees.
Auto rental coverage.
Travel accident insurance.
Trip cancellation coverage.
Baggage delay and reimbursement for lost luggage.

USAA Rewards Visa Signature Credit Card

You can earn points on all qualifying purchases – including at restaurants and gas stations. You must be a USAA member to apply and there is a 3% balance transfer and cash advance fee for each transaction.

2X points on dining out and gas
1X points on all other qualifying purchases.
After your first qualifying purchase, receive 2,500 bonus points.
No annual fee for service members and their spouses.
No foreign transaction fees.

Learn more about the USAA Rewards Visa Signature card

Navy Federal Credit Union Platinum Credit Card

The NFCU Platinum Credit Card charges no balance transfer fees and has an introductory 0% APR on balance transfers for the first 12 months. Other perks include:

No foreign transfer fees.
0% intro APR for 12 months.
No annual fee for military personnel and their spouses.
$0 balance transfer fee.
$0 maximum over-limit fee.
No Cash Advance fee if performed at an ATM or Navy Federal branch.
Membership is open to active-duty, veterans, and retirees in all branches of the armed forces and their families..

Learn more about the NFCU Platinum Credit Card

Written by Veteran.com Team

The editorial team here at Veteran.com works to help the U.S. military community discover the many military benefits available to them. Our team is supported by our Veteran Review Board and its Standard of Care, which all content on Veteran.com is reviewed to meet.

Inside This Article

Military airport lounges have been a staple of official and leisure travel for servicemembers and their families for a very long time. Anyone who has ever had to make a permanent change of station move from a stateside to an overseas assignment has likely taken advantage of a military airport lounge, and those traveling with families to and from overseas locations find these lounges to be an oasis during the long trip.

Military Airport Lounges: The USO

Since World War Two, some of the most well-known military airport lounges have been operated by the USO. These lounges are open to currently serving military members and their families with unexpired ID cards and feature internet access, sleeping areas, small libraries, mini-theaters, snacks, and other services that vary depending on location. But these lounges aren’t open to all visitors.

The USO official site notes, “Occasionally, veterans or military retirees contact us to tell us they couldn’t get into a USO airport lounge because they didn’t have an active military ID card. As much as we’d like to open our doors to all those who have honorably served, we have limited space and resources.”

At the time of this writing, USO airport lounges are not open to retirees and veterans, preferring to use all available resources for those who are currently serving in uniform and their families.

Find A USO Airport Lounge

USO lounges are normally listed in airport directory maps and official sites. The signage and visibility for these lounges is often minimal so it is always best to ask at an airport information desk if you are not sure if the USO is active at that airport and where the lounge might be. An unexpired military ID is always required for entry into the lounge just like entering a military installation.

You can find a USO lounge by searching the official site: the USO has operations in roughly 200 locations (not all are in airports) so chances are good that you may find USO facilities in an airport you are traveling to or from if you’re traveling to common destinations for official business or leisure trips.

Be Mindful of Peak Travel Times

USO lounges can fill up fast during PCS season, during deployments, and (depending on location) TDYs. For example, if you are traveling from Colorado at the end of the summer just before the start of fall semester classes at the Air Force Academy, the USO lounge at Denver International Airport might be busier than usual. Peak travel times vary depending on location, tourist season, and other factors.

USO Airport Lounges: Not All Destinations Are Equal

Some USO operations are quite small, others, like the one located at St. Louis Lambert International Airport, may have partnerships with major league sports teams; one story that’s made the rounds on certain travel blogs notes the individual who checked into the Lambert Airport USO only to find there were free major league baseball tickets to be had for those arriving in St. Louis.

Some locations may offer free food, coffee, books, and sleep pods, others may also be able to arrange shuttle services from the airport or help travelers find shuttles going their way.

The USO: Not The Only Lounge In The Airport

The USO operates military-specific lounges in major airports all over the world, but these are not the only airport lounges available, and many are open to military members even if those troops are not members of the clubs themselves.

Many airlines have frequent flyer or VIP clubs with lounge facilities that require membership to get in. These airlines often have policies for admitting non-members who serve in uniform and their families. They include, but are not limited to:

American Airlines Admirals Club
Delta Sky Club
Priority Pass Lounges
Centurion Lounges

Who Can Use An Airline Club Airport Lounge?

Generally, the airport lounges run by American Airlines, Delta, etc. are members-only spaces and those memberships can cost roughly $500 a year. But the rules for these members-only lounges often include exceptions for military members and sometimes their families, too.

The key to getting access to these lounges is to remember that the staff isn’t used to people coming in without a membership, and even though there are special rules in place for qualifying military travelers, lounge staff isn’t always aware of them and may have to be shown-it’s very good to have a copy of the pertinent rules pulled up on your mobile device to show a staff member in case they are unaware.

It’s also good to do this in a nice and unobtrusive way.

General rules for lounge access where military fliers are concerned will vary depending on the lounge, and rules are always subject to change so it’s best to check with the airline prior to your travel day to make sure you are still entitled to use a members-only airport lounge according to the rules of the program.

Airport Lounges That Have Allowed Military Access Without A Membership

American Airlines operates the Admiral’s Club in select airports around the world, in both domestic and international lounges.

The American Airlines official site says military members and family traveling same-day on United are eligible to use these airport lounges with a boarding pass and a military ID. Military members must be in uniform to travel.

Delta Airlines operates Delta Sky Club lounges and have no specific policy listed on the Sky Club official site for military, but some travel blogs claim Delta may allow those traveling in uniform to and from deployments permission to use the lounge with a copy of orders and military ID.

Delta Sky Club membership options are open to those who apply for credit cards (see below), and military members traveling over the holidays may find Delta operating military lounge type operations during peak holiday travel season as a way of showing support for troops and military families.

United Airlines has had a policy in the past that any active duty military member flying United same day may use United Clubs as long as you’re flying on orders AND are traveling in uniform. Some travel blogs report United Clubs staff being uninformed about this feature, needing to be shown the rules pertaining to military access as detailed on United.com.

But has this policy changed in recent days? Likely not, but it’s always better to check.

Some Airlines Don’t Have A Lounge, But…

You may find certain airlines have partnered with other agencies allowing access to airport lounges as a perk of booking, of being a member of frequent flyer programs, etc. It’s always best to ask at the time you book your air travel about the availability of airport lounge perks and how to get them.

Getting Airport Lounge Access With A Credit Card

There are plenty of airport lounges that are members-only and do not necessarily have “open to military” policies. So, what’s the next best option for TDY travel, taking a family vacation to or from an overseas location, or for a permanent change of station move?

Military members enjoy the benefit of having a government travel charge card, but this card is only to be used for official business and mission-related travel expenses.

With that in mind, having that card may not be a way in to airport lounges, but using the card builds up your credit history and responsible use of credit with a government card may make a service member more attractive to credit card companies that offer high-dollar perks such as membership rewards and access to airport lounges.

Airport Lounges And Credit Card Accounts

The Centurion Lounge is found at major airports worldwide. This lounge is operated not by a specific airline, but rather by American Express and it is open to Amex Platinum Card holders only. This is described as a “day of departure” lounge and is not for those on arriving flights that have just landed. Platinum Club credit card holders are not admitted more than three hours prior to the departure time listed on the traveler’s tickets. Standby passengers are not permitted.

At first glance, this sounds like a no-go for enlisted military members who balk at the Platinum Card requirements. But remember that any military member who responsibly uses their credit may find themselves eligible to apply for an American Express card.

Annual Fee Relief For Active Duty Military

American Express provides relief under the Servicemembers’ Civil Relief Act (SCRA) and the Military Lending Act (MLA) to eligible active duty military members. For those who qualify, this relief may apply to certain fees, including the annual membership fee on consumer credit cards such as card_name.

One of the standout benefits of the Platinum Card is access to premium airport lounges, including Centurion Lounges. With military relief programs in place, many service members have successfully accessed these travel perks at a significantly reduced out-of-pocket cost during their active duty service.

Keep in mind that credit card terms and benefits can change, so always check the most current offers, terms, and eligibility requirements before applying.

Benefits:

bonus_miles_full
Centurion and Priority Pass lounge access
$200 Uber Cash
$200 airline fee credit yearly
$300 Equinox credit (enrollment required)
$240 Digital Entertainment Credit: Get up to $20 in statement credits each month at the following providers: Peacock, Audible, and The New York Times (enrollment required)

Learn more about The Platinum Card® from American Express

Not interested in applying for a credit card? You might consider applying for a lounge access pass program instead; one such option is available with the Priority Pass program.

Priority Pass is not a credit card; it is a membership allowing access to more than one thousand airport lounges worldwide. This option is good for frequent travelers and especially those who may need to come and go overseas frequently.

A Priority Pass membership offers “stress-free” accommodations at airport lounges across “500 cities in over 140 countries worldwide” according to the official site, but the program also advertises “exclusive” retail, dining, spa and sleeping options offered “in selected airports.”

Unfortunately, at the time of this writing there does not seem to be a policy for military signups related to discounts, reduced fees, etc. But it never hurts to ask for the latest offers, perks, or preference for those in uniform.

One caveat about using Priority Pass; features and options are not standardized at all lounges. You may, depending on the nature and duration of your travel, be subject to restrictions or limitations of services. This is true at all times, but especially during peak capacity hours where alternative accommodations may be offered instead.

At the time of this writing, the Priority Pass program offers a “standard” package for just under $100 for occasional travelers, and as much as $400 or more for the Prestige level frequent traveler package.

Written by Veteran.com Team

The editorial team here at Veteran.com works to help the U.S. military community discover the many military benefits available to them. Our team is supported by our Veteran Review Board and its Standard of Care, which all content on Veteran.com is reviewed to meet.

Inside This Article

Active duty servicemembers can benefit greatly by applying for Servicemembers Civil Relief Act protections and provisions with the following financial companies. Possible benefits include reduction of interest rates, protection from repossession and foreclosure, no late fees, and no annual credit card fees. Often times credit card companies and lenders will go above and beyond SCRA requirements to deliver additional benefits to servicemembers such as reduced interest rates lower than 6% while on active duty.

Understanding SCRA Credit Card Advantages

The Servicemembers Civil Relief Act (SCRA), established in 2003, offers financial relief to military members by capping interest rates and fees. Under this act, military personnel are protected from being charged an interest rate exceeding 6% for debts taken on before joining the military. This interest rate reduction applies to various debts including car loans, credit cards, mortgages, and student loans, as stated by the U.S. Department of Justice.

To benefit from this, military members need to inform their credit card companies in writing, accompanied by their military orders, within six months after completing their service. The credit card companies are then obligated to not only reduce the interest rate to 6% but also refund any excess interest charged previously.

It’s important to note that the interest rate cap only applies to debts acquired before military service. This means a military member might have different interest rates on a single credit card based on when the debt was incurred.

Please see the Military Lending Act (MLA) for protections and relief on certain fees for cards or lending products opened during service.

Eligibility for SCRA Benefits

Only those in active duty, federal active-duty reservists, or National Guard members with federal orders extending beyond 30 days are eligible. Unfortunately, veterans are not covered under SCRA.

Differences in Credit Card Benefits for Active Military and Veterans

While both active military members and veterans have access to a range of reward and travel credit cards, fee relief and SCRA benefits are typically reserved for those currently in active duty.

Best Credit Card SCRA Benefits for Active-Duty Military Members

The perks you get on your credit card while serving in the military can differ based on the card provider. The following illustrates the differences in benefits based on the bank that provides your card, as well as details on some of the most popular credit cards they offer for military members.

American Express

American Express offers various benefits under the Servicemembers Civil Relief Act (SCRA) and the Military Lending Act (MLA) for eligible active-duty military members. One key benefit is that Amex can reduce the annual fee for active-duty military personnel, members of the Guard and Reserve on active orders for 30 days or more, and the spouses of active-duty service members on their credit cards to $0. This includes premium cards like the Platinum Card® and the American Express Gold Card.

The SCRA caps the interest rate on eligible loans and credit products at 6%. For SCRA purposes, “interest” includes various fees, such as annual membership fees, late fees, and returned payment fees.

card_name

Welcome bonus: bonus_miles_full
Rewards: Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel® up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel®.
Perks: Annual $200 hotel credit (The Hotel Collection requires a minimum two-night stay), $240 digital entertainment credit, $155 Walmart+ credit, $200 airline fee credit, $200 Uber Cash, $300 Equinox credit, $199 CLEAR® Plus credit, and more. Terms apply, and enrollment required. Learn more at American Express.
Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Credit score needed: credit_score_needed
Annual Fee: $695. The annual fee (See Rates and Fees) is not charged by Amex each year you’re on active duty.

Learn more about The Platinum Card from American Express here.

Citi

Citi is committed to providing benefits and protections to eligible members of the U.S. Armed Forces. They offer a reduced annual percentage rate (APR) of 0% on both existing balances and future purchases. Additionally, Citi waives annual fees and other service fees for these members. To avail of the SCRA benefits, members need to submit a request and provide a copy of their military orders.

Citi^® Double Cash Card

Welcome bonus: No set welcome offer
Rewards: bonus_miles_full
Perks: Typical account security features: $0 liability for unauthorized purchases, 24-hour fraud protection, Citi Identity Theft Solutions and card replacement and emergency cash service
Credit score needed: credit_score_needed

Learn more about the Citi® Double Cash Card here

Chase

Chase offers a host of benefits for servicemembers, including a reduced APR of 4% for accounts that carry balances. The bank also waives or credits various fees, such as annual fees and other service-related charges. Importantly, Chase extends these SCRA benefits for up to a year after a member’s active duty concludes. To access these benefits, members must submit a request and provide relevant military orders or supporting documents.

card_name

Welcome bonus: bonus_miles_full
Rewards: 3X points on general travel and restaurant purchases; 10X total points on Lyft purchases (through March 31, 2025); 10X total points on Chase Dining purchases through Ultimate Rewards; 10X total points on hotel stays and car rentals through Ultimate Rewards; 5X total points on air travel through Ultimate Rewards (after earning your $300 travel credit); 1X points on all other purchases
Perks: Annual $300 travel credit, Priority Pass Select airport lounge membership, a credit for Global Entry or TSA PreCheck and more
Credit score needed: credit_score_needed

Learn more about the Chase Sapphire Reserve® here

Capital One

Capital One stands by its military customers by offering a maximum interest rate of 4% on all their accounts. The bank also ensures that all fees, including annual fees, over-limit fees, and late fees, are waived for eligible members. National Guard members activated by the President or Secretary of Defense can also avail of these SCRA benefits. To receive these benefits, members should submit a request accompanied by a copy of their deployment or active duty orders.

card_name

Welcome bonus: bonus_miles_full
Rewards: The card offers unlimited 1.25 miles per dollar on eligible purchases. So someone who spends $25,000 a year could earn 31,250 miles annually with this card.
Perks: Free credit toward Global Entry or TSA PreCheck, travel accident insurance, and 24-hour travel assistance services
Credit score needed: credit_score_needed

Learn more about the Capital One Venture Rewards Credit Card here

PenFed

PenFed offers a range of SCRA benefits, including a reduced APR of 6% on credit card balances. The credit union also waives certain fees like late fees and over-limit charges. These benefits are extended to eligible active-duty military members and their dependents. To access these benefits, members need to submit a written request along with a copy of their military orders.

card_name

Welcome bonus: bonus_miles_full
Rewards: 3 points back per dollar spent on travel purchases (4 points back on travel for PenFed Honors Advantage members). 1.5 points back per dollar spent on all other purchases.
Perks: Benefits include a $100 annual domestic air ancillary travel credit, a reimbursement for Global Entry or TSA Precheck application fees, and Priority Pass airport lounge access for $32 per visit. Terms apply.
Credit score needed: credit_score_needed

Learn more about the PenFed Pathfinder® Rewards Visa Signature® Card here

Bank of America

Bank of America supports its military customers by providing a reduced interest rate of 6% for credit card debt that was incurred before active military service. The bank also waives various fees, including annual fees, monthly service charges, and cash advance fees. These SCRA benefits are available to eligible active-duty military members. To avail of these benefits, members are required to submit a request and provide a copy of their military orders.

card_name

Welcome bonus: bonus_miles_full
Rewards: Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don’t expire.
Perks: Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
Credit score needed: credit_score_needed

Learn more about the Bank of America® Premium Rewards® credit card here

Barclays

Barclays offers a suite of benefits for its military customers, including a reduced APR of 0% on existing balances. The bank also waives annual fees and other service-related charges for eligible active-duty military members. To access these SCRA benefits, members are encouraged to contact Barclays, submit a request, and provide the necessary supporting documentation.

Discover

Discover card offers a competitive 5.9% APR on various transactions, including purchases, balance transfers, and cash advances for eligible military members. The company also waives several fees, such as late fees, over-limit charges, and cash advance fees. Moreover, they offer a complete waiver of service fees for eligible members. To receive these SCRA benefits, members must submit a request and provide a copy of their deployment or active duty orders.

card_name

Welcome bonus: bonus_miles_full
Rewards: Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Perks: Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
Credit score needed: credit_score_needed

Learn more about the Discover it® Cash Back card here

USAA

USAA, a financial institution dedicated to serving military members and their families, also offers SCRA benefits for its credit cardholders. USAA provides a reduced interest rate of 4% on pre-service balances for the duration of active duty. This rate is lower than the 6% mandated by the SCRA, showcasing USAA’s commitment to supporting the military community. Additionally, USAA ensures that no fees or charges are added to the account while the servicemember is on active duty. They also offer special deployment and PCS (Permanent Change of Station) rates, further assisting military members during transitional periods.

Bottom Line

Military personnel have the advantage of receiving reduced interest rates and eliminated fees on several leading reward credit cards, making it a compelling reason to consider registering. These cards often come with attractive initial bonuses valued at $500 or even higher, along with enticing benefits such as access to airport lounges and travel credits.

However, just like any other consumer, those in the military should be cautious about accumulating debt beyond their repayment capacity. It’s essential to remember that once their military service concludes, these special credit card benefits won’t last forever.

Written by Veteran.com Team

The editorial team here at Veteran.com works to help the U.S. military community discover the many military benefits available to them. Our team is supported by our Veteran Review Board and its Standard of Care, which all content on Veteran.com is reviewed to meet.

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