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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
Final Thoughts

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. Plus, there is a major benefit for active duty members – American Express waives the annual fee on the Platinum Card for active duty service members and military spouses.

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

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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.

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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.

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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.

Table of Contents

American Express military benefits offer a significant financial advantage for military personnel, thanks to the protections provided by the Servicemembers Civil Relief Act (SCRA).

One of the standout perks is the waiver of annual fees on many American Express credit cards for active-duty military members. This includes premium cards like The Platinum Card® from American Express, which normally has a $695 annual fee, and the everyday favorite, the American Express® Gold Card.

Don’t miss out on the opportunity to access these cards without paying an annual fee. It’s a fantastic perk that active service members should definitely take advantage of.

These benefits aren’t limited to service members alone; their spouses are also eligible, extending the financial relief to the entire family. By taking advantage of these offers, military personnel can enjoy luxury perks and financial flexibility without the added cost.

In addition to the annual fee waivers, SCRA caps interest rates on eligible loans and credit products at 6%, covering fees such as late charges and returned payment fees. This comprehensive financial protection underscores American Express’s commitment to supporting military families.

Here’s what you need to know about what protections service members get and how to maximize the benefits offered by American Express.

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

Military Relief Offered by American Express

American Express provides significant financial relief to active-duty military members through compliance with the Servicemembers Civil Relief Act (SCRA) and the Military Lending Act (MLA). These acts limit the amount of interest that can be charged on credit lines, with the SCRA also considering annual membership fees as part of the interest calculation. To adhere to these laws, American Express generally waives annual membership fees for eligible service members.

However, it’s important to note that American Express doesn’t automatically waive all annual fees for every service member. Eligible military personnel need to apply for this relief, and each application is reviewed on an individual basis.

Duration of Amex’s Military Relief Provisions

The protections provided under the SCRA and MLA are only applicable during active duty. Once a service member leaves active duty, they are no longer eligible for these financial protections. American Express periodically reviews accounts to verify eligibility. If it determines that an account is no longer eligible for relief, the cardholder will receive a notification letter at least 45 days before the relief ends.

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. While most cardholders pay a annual_fees annual fee for the extensive perks that come with this card, service members are exempt from this fee, 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 Clubs 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

Requesting SCRA Benefits from American Express

If you’re an existing American Express cardholder or plan to apply, initiating your SCRA benefits is straightforward. You can contact American Express directly at 1-800-253-1720 to inform them of your active duty status. If initial customer service interactions don’t recognize the SCRA request immediately, asking for a supervisor is advisable. Online options are also available, allowing you to log into your account and request these benefits digitally, followed by mailing necessary documentation to confirm your eligibility.

Once American Express verifies your active duty status through the Department of Defense Manpower Data Center, your SCRA benefits will be applied to your account, retroactively forgiving any interest over 6% and ensuring you receive all applicable fee waivers.

Claiming Your Military Credit Card Benefits And SCRA Protections

There are two basic things that need to be done to claim both your no-annual-fee American Express military discount and SCRA benefits on your account. One is done when you first apply for the card. It’s important to choose “military” as your income source when applying in order to be recognized as eligible for SCRA benefits.

If you did not do this when you applied for an American Express card in the past, don’t worry. You can claim your military credit card benefits by informing AMEX customer service of your status as an active-duty military member.

That is the second step you should take when claiming your military discount and your benefits under SCRA. You will be required to submit military orders and/or other proof of service to show you are on active duty and in good standing with your branch of military service.

Remember, if you are a current AMEX card holder, call customer service to request your SCRA benefits and military credit card benefits. If you encounter a customer service rep that does not know about these issues, ask to speak to a supervisor.

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.

Table of Contents

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 waive the annual fees on credit cards for 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 All 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.

Table of Contents

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.

Table of Contents

The Military STAR Card is managed by the Army and Air Force Exchange (AAFES) and offered by the Exchange Credit Program (ECP). Qualified, authorized veterans (with Exchange access) military personnel and their families can apply for the card. The STAR Card is accepted at on-base exchanges, commissaries, gas stations, uniform shops and mini marts. In addition to providing a line of credit there are many other benefits to the STAR card.

The Military STAR card application can be found by visiting the Exchange Credit Program website.

Note: As of Sept. 30th, 2015 the Chase Military STAR Card with Mastercard benefits has been discontinued. There is only one Military STAR Card now offered by the ECP.

* On-base locations only.

The Military STAR card can be used at the exchanges of all branches of service and online at the exchange websites.

Eligibility

Veterans (with Exchange access) active duty, reservist, retired service members, Veterans with service-connected disabilities, Purple Heart recipients, former prisoners of war and certain primary caregivers, military spouses and dependents are all eligible to apply for a Military Star Card. Basically anyone with Exchange shopping privileges.

Military STAR Card Benefits

Earn rewards on purchases; $1 spent on-base = 2 points; 2,000 points = $20 Exchange gift cards (applies to both cards)
Accepted at all commissaries
While you are deployed, you may still make purchases, but you are not required to make monthly payments and your interest rate is temporarily reduced to six-percent (6%)
Exclusive Exchange offers promotions for purchases made with the Star Card such as sweepstakes, discounts, 0% interest and more
No annual, late or over-limit fees
Free standard shipping at AAFES and Navy online exchanges
Five cents per gallon fuel discount (military installation gas stations)
New accounts receive a 10% discount for purchases the first day.
10% food court discount
One low APR for all cardholders, regardless of credit score
Promotional 0% interest offers
Interest-free military clothing plan
Money saved from merchant fees is re-invested into military installation programs and services

Military STAR Card Disadvantages

The military can take payment from your bank account for missed payments.
Must be paid at the time of separation
It is not a credit card that can be used everywhere
Easy access to credit can be a hard financial responsibility lesson
No off-base purchases

Military Star Card Frequently Asked Questions

Is the Military Star Card a credit or debit card?

The Star card is a credit card.

Can the Military STAR Card be used for gas?

The card can be used for gas at installation gas stations but NOT at gas stations outside of military installations.

Can the card be used to shop online at the Exchanges?

Yes.

Can a military spouse get a Military STAR Card?

Yes, dependents too!

Can a veteran get a Military STAR Card?

Yes! Veterans who are eligible to shop at the exchanges can apply for a Military Star Card. If you’re a military veteran with a honorable discharge but not retired, you can go to vetverify.org and get verified, then you can start shopping online at shopmyexchange.com. Then you can apply for our military star card by going to myecp.com.

Free shipping, tax-free shopping, competitive pricing & discounts, and access to the MILITARY STAR Card are just a few perks for #Veterans. Honorably discharged Veterans can verify eligibility at https://t.co/4dzyoLzmzD https://t.co/i0XqemvVhA

— The Exchange (@shopmyexchange) Nov. 10, 2017

Can STAR Card late payments be reported to my command?

Yes, late payments, exceeding your credit limit or other issues can be reported to your chain of command. However, this most likely will not occur before the Exchange Credit Program makes numerous attempts to resolve the matter with you.

Can you use the Military STAR card anywhere?

No, on-base and online at the Exchange stores only.

List of discontinued Military Star Cards

Chase Military Free Cash Rewards (converted to Chase Freedom Unlimited)
Military Star Rewards MasterCard

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.

Table of Contents

Chase offers a military credit card benefit program for active duty military members on a variety of credit card lines, and the more aspirational the credit program-such as the Chase Sapphire Reserve credit card-the bigger the savings for eligible military members.

What follows is a discussion about Chase credit card policies and federal law that may affect those policies. The credit card offers you see here may or may not be available long-term, but the federal law that protects service members from certain credit card practices applies no matter what kind of credit card you use.

If you search for and do not find a credit card offer such as the Chase Platinum Reserve card, or one of the Chase Elite Travel Reward card programs, call Chase customer service to inquire about the availability of the card you seek or one like it that offers perks to active duty military members.

Military Credit Card Fee Waivers And Other Perks From Chase

The Chase official site has a page dedicated to helping those who want to claim their SCRA benefits on credit cards issued by Chase.

The federal law known as the Servicemembers Civil Relief Act (SCRA) was created to help service members avoid credit-related fees. For example, SCRA rules state there is a mandatory 6% interest rate cap on loans and credit you had prior to starting military service-but this cap is not automatic and must be applied for in writing with supporting documentation such as military orders, etc.

Some credit card companies, including Chase, have chosen to liberally interpret SCRA laws and offer annual fee exemptions on their cards including the most elite credit cards offered to financially qualified military members.

That is why Chase waives the whopping $550 annual fee for its Sapphire Reserve Card for active duty military members. But that isn’t the sum total benefits you may receive from Chase for registering as an active duty military member and claiming your SCRA benefits with them.

The Chase official site reminds service members that protections under SCRA include:

Reduction of Interest Rates above the SCRA limits
Protection from certain foreclosure activity
Protection from vehicle repossession
Early cancellation of vehicle leases where required

Telling Chase You Want SCRA Military Credit Card Benefits

You must submit supporting documentation to Chase to claim your SCRA benefits as an existing or new customer. You can apply electronically or by regular mail, but electronic submissions must be sent via your account at Chase.com and you are advised not to submit reproductions of orders and other documents taken with mobile devices as they cannot be read properly by Chase.

Chase customers who wish to terminate a leased vehicle as is permitted under SCRA (prior to the end of the lease), the documentation submitted to Chase “must state that you are requesting an early lease termination” including account numbers and the date of termination requested.

Chase Procedures For Updating Your Records To Claim SCRA Benefits, Credit Card Fee Waivers, Etc.

Several sources report that Chase uses a semi-automated or fully automated system to compare credit card account details against a database that could help service members more “automatically” update to receive SCRA benefits, but it’s best not to leave this important benefit to the software process. If you need to claim SCRA protections as an existing or new customer, it is always best to contact customer service at the lender to have your account data updated.

Why Apply For A Chase Sapphire Reserve Credit Card With Your Military Credit Card Benefit?

Applying for a high-end Chase credit card with a waiver of the annual fee means getting access the same perks others are paying $550 per year (or a different fee depending on the card) to enjoy. Chase customers with the best credit card offers have in the past been offered the following perks-these would be available to any financially qualified military member who also qualifies for the fee waiver or other perks:

Sign-up bonuses of 50,000 or 60,000
3x reward points on travel and food
No foreign transaction fees
Cash credit for travel purchases
$100 towards TSA pre-check sign-ups
Complimentary Priority Pass Select lounge memberships
Reward points transfer programs via partner companies
Rental car insurance coverage up to $75,000
Baggage delay insurance
Trip delay reimbursement
Emergency assistance

Chase Sapphire Benefits for Military

All Chase personal credit cards are offered with no annual fees for active duty military servicemembers and their spouses. The top two choices are the Chase Sapphire Preferred or Sapphire Reserve cards. The main difference is that the Preferred offers 10,000 more sign up bonus points while the Reserve offers a recurring $300 annual travel credit.

Sapphire Preferred for Military

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
5X points on travel purchased through Chase Ultimate Rewards(R), 3X points on dining and 2X points on all other travel purchases
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards(R)
Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 with DashPass, DoorDash’s subscription service
Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV

Learn More About the Chase Sapphire Preferred Card!

Chase Sapphire Reserve for Military

$550 annual fee (and $75 authorized user fee) completely waived for US military and spouses (apply for SCRA benefits)
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards(R) immediately after the first $300 is spent on travel purchases annually
Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases
Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards
1:1 point transfer to leading airline and hotel loyalty programs
Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass(TM) Select and up to $100 application fee credit for Global Entry or TSA Pre✔(R)
Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

Learn More About the Chase Sapphire Reserve 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.

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Final Thoughts

Chase Sapphire Preferred® Card Benefits for Veterans

Lucrative Signup Bonus for Veterans and Military

Reward Categories Ideal for Veterans and Military

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

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

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Travel Protections for Veterans and Military

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Approval Requirements and Credit Limit for Veterans

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

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How to Get Approved for the American Express Gold Card

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Is the American Express Gold Card Right for You?

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Earning Rewards

Redeeming Rewards

Capital One Quicksilver Cash Rewards Credit Card Credit Limit

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

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

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

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American Express Military Fee Waiver

Military Relief Offered by American Express

Duration of Amex’s Military Relief Provisions

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

Features:

Benefits:

American Express® Gold Card

Blue Cash Preferred® Card from American Express

Other American Express Cards Eligible for SCRA or MLA Benefits

Why Does American Express Offer These Military Credit Card Incentives?

Key Provisions of SCRA and MLA

SCRA Benefits:

MLA Benefits:

Requesting SCRA Benefits from American Express

Claiming Your Military Credit Card Benefits And SCRA Protections

How to Check if You Will Receive SCRA or MLA Protections

SCRA Benefits Do Expire

Servicemembers Civil Relief Act Benefits

SCRA Eligibility

SCRA Credit Card and Loan Benefits

SCRA Lease and Rental Benefits

Automobile Benefits

Receive SCRA Benefits from Lenders

SCRA Enforcement

Military Spouses Residency Relief Act (MSRRA)

American Express Platinum Benefits for Military

Understanding Military Protections: SCRA and MLA Relief

Servicemembers Civil Relief Act (SCRA) Overview