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.
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.
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! 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/4dzyoLzmzDhttps://t.co/i0XqemvVhA
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)
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