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Top Credit Cards For Military Members
The best credit cards for military personnel provide unique rewards in recognition of their service. Because of the Servicemembers Civil Relief Act (SCRA), active-duty military service members and their families are eligible to receive special benefits like reduced interest rates and $0 foreign transaction fees.
Some issuers even go beyond the call of duty when it comes to recognizing military service—for example, annual fees on Chase credit cards are waived for qualifying service members and their eligible dependents under SCRA guidelines. That gives them access to two of the best cards in the travel and dining space for zero annual fee.
Based on recommendations from our expert reviewers, these are our picks for the best cards for active-duty military service members and their families:
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- Rewards Rate 1.5% cash back on purchases
- Eligibility Must be a USAA® member, or become a member, to apply.
- Intro APR N/A
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
- Rewards Rate 1.5% cash back on purchases
- Eligibility Must be a USAA® member, or become a member, to apply.
- Intro APR N/A
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
Highlights
- Must be a USAA® member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
- Earn unlimited 1.5% cash back on purchases, no category restrictions, no caps on cash back.
- Intro Offer: Earn a $200 reward bonus when you spend $1,000 on qualifying purchases within 90 days of account opening.
- Auto Deductible Reimbursement (ADR) up to $200.
- A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
- No annual fee.
- Cash back rewards never expire.
- Redeem cash back your way, on your schedule.
- No foreign transaction fees.
- 16.15% to 28.15% variable regular APR.
- Terms and Restrictions apply. See the Reward Terms and Conditions and the ADR Benefit Guide on USAA's website for details.
- See Rates and Fees for details.
See additional details for USAA Preferred Cash Rewards Credit Card
- Intro BT APR 0% intro APR for 15 months on balance transfers, then 11.15% to 25.15% variable regular APR
- Eligibility Must be a USAA® member, or become a member, to apply.
- Rates & Fees $0 annual fee, no penalty APR & no foreign transaction fee
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
- Intro BT APR 0% intro APR for 15 months on balance transfers, then 11.15% to 25.15% variable regular APR
- Eligibility Must be a USAA® member, or become a member, to apply.
- Rates & Fees $0 annual fee, no penalty APR & no foreign transaction fee
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
Highlights
- Must be a USAA® member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
- Intro Offer: Get a 0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. After this time, the variable regular APR of 11.15% to 25.15% will apply to introductory balances.
- A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies. If you transfer a balance or write a convenience check to take advantage of the introductory rate offer, you will immediately incur interest on purchases until you pay your balance in full, including any transferred balances.
- No annual fee.
- No foreign transaction fees.
- 11.15% to 25.15% variable regular APR.
- See Rates and Fees for details.
See additional details for USAA Rate Advantage Credit Card
- Sign-Up Bonus Earn 30,000 bonus points ($300 travel value) after spending $3,000 on qualifying purchases within 90 days of account opening.
- Eligibility Must be a USAA® member, or become a member, to apply.
- Regular APRs 19.15% to 27.40% variable on purchases, balance transfers, and cash advances
- Annual Fee $95
- Credit Needed Good / Excellent
- Card Brand Visa®
- Sign-Up Bonus Earn 30,000 bonus points ($300 travel value) after spending $3,000 on qualifying purchases within 90 days of account opening.
- Eligibility Must be a USAA® member, or become a member, to apply.
- Regular APRs 19.15% to 27.40% variable on purchases, balance transfers, and cash advances
- Annual Fee $95
- Credit Needed Good / Excellent
- Card Brand Visa®
Highlights
- Must be a USAA® member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
- Intro Offer: Earn 30,000 bonus points ($300 travel value) after spending $3,000 on qualifying purchases within 90 days of account opening.
- 3X points on travel purchases - triple your points on tolls, rideshares, hotels, vacation rentals, flights and more.
- 2X points on everyday purchases - double your points on groceries, gas, dining, bills and more
- Earn 10,000 bonus points every year - applies after you complete eligible hotel or car booking. That's equal to a $100 travel value.
- Up to $120 credit towards TSA PreCheck® or Global Entry® fee every four years.
- Enjoy valuable travel benefits and protection, including Auto Rental Coverage, Travel Accident Coverage, Trip Interruption Coverage, Baggage Delay Reimbursement, Purchase Security and Cell Phone Protection.
- No foreign transaction fees.
- Points never expire for the life of the account and there are no spend caps on point earning.
- Redeem points your way, on your schedule.
- A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
- 19.15% to 27.40% variable regular APR.
- $95 annual fee.
- See Rates and Fees for details.
- Terms and Restrictions apply. See the Guide to Benefits and Reward Terms and Conditions on USAA’s website for details.
See additional details for USAA Eagle Navigator® Credit Card
*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.
