I earned my financial freedom in the military. You can too.

Hey, I'm Spencer. I'm an active duty Air Force officer investing for financial independence by age 40.

I wrote the book on how to achieve financial independence in the military:

The Military Money Manual:
A Practical Guide to Financial Freedom

The Military Money Manual hardcover book

This is the book I wish someone had handed me on my first day in the military. Don't make the same mistakes I did on the road to financial independence!

You can achieve FI in the military. This is the manual that shows you how. Available as an ebook, hard cover, or audiobook.

I host the Military Money Manual Podcast and teach the Ultimate Military Credit Cards Course.

My wife and I use waived military annual fee credit cards to earn $1000s in free airfare, hotels, and travel without paying any annual fees.

I started the Ultimate Military Credit Cards Course to help US military servicemembers and their spouses find the best military credit cards with no annual fees, like the The Platinum Card® from American Express and the Chase Sapphire Preferred® Card.

You can sign up for the beginner's course here. It's 100% free.

Over 6000 military folks like you have already graduated the course and opened their first annual fee waived ultra premium luxury travel rewards cards. Join us and get your first $695 annual fee waived today.

Learn how to your credit card annual fees waived in my 5 day, 100% free course.

Learn all about military travel hacking, travelling for free, points, miles, and credit card annual fee waivers in my
Ultimate Military Credit Cards Course.

  • If you're a US military service member or spouse, let me show you how to get your first $695 annual fee waived.
  • Take my 100% free, 5 day, online course and I will show you how you can get the best luxury travel rewards and cash back cards and pay no annual fees.
  • I get $6000+ in credit card fees waived every year. You can do it too and reap the fantastic benefits of these cards.

Best Military Credit Cards With Waived Annual Fees

Amex Platinum Military 2021 MLA SCRA
Best Credit Cards for Military Spouses 2022 | Annual Fees Waived
Best Hotel Credit Card 2022 | Marriott, Hilton, IHG, and Hyatt
Amex Marriott Bonvoy Brilliant Military
Amex Marriott Bonvoy Brilliant Military | Annual Fee Waived
Best Credit Card Bonus Offers for September 2022
United Club Infinite Card Military 2022 | Fee Waiver, Lounge Access
AMEX Delta Reserve card free for US military
Amex Delta Reserve Military Benefits 2022 | Annual Fee Waiver
New AMEX Blue Cash Preferred NO ANNUAL FEE FOR MILITARY
Best Cash Back Credit Cards in 2022 for Military
Citi AAdvantage Executive World Elite Mastercard Military
Citi AAdvantage Executive Military | American Airlines Credit Card
Citi Double Cash Card
Citi Double Cash Card | 2% Cash Back on Everything
Credit Cards That Waive Annual Fees For Military in 2022
Southwest Companion Pass for Active Duty Military
Southwest Credit Cards for Military 2022 | Annual Fees Waived
chase freedom flex
Chase Freedom Flex Military | Categories + Cash Back Credit Card
credit card application rules by bank
The 32 Credit Cards in My Wallet 2022 | Current Credit Cards
What To Do With Fee Waived Credit Cards When You Retire, Separate, or Leave the Military With Your DD214
Best Credit Cards for Military 2022 | 15+ Cards Reviewed
Chase Sapphire Reserve No Annual Fee for Military
Chase Military Credit Cards 2022 | Chase Military Lending Act
Amex Blue Business Plus
Amex Blue Business Plus Card Review | Earn 2x Points + No Annual Fee
Free Diamond Status at Hilton Hotels for Military
Amex Hilton Aspire Card Military 2022 | MLA Benefits Explained
Chase IHG Premier MLA
Chase IHG Rewards Premier Credit Card for Military | No Annual Fee
chase freedom flex
Chase Freedom Flex vs Chase Freedom Unlimited | Which Card is Best?
Chase Sapphire Reserve No Annual Fee for Military
Chase Sapphire Reserve vs. Chase Sapphire Preferred 2022
Amex Platinum Military 2021 MLA SCRA
Amex Platinum Military 2022 | $695 Fee Waived for Active Duty + Spouses
Chase Ink Business Cash Credit Card for Veterans and Military
Chase Ink Business Preferred vs Chase Ink Business Cash | Best Chase Business Credit Card
Chase Sapphire Reserve No Annual Fee for Military
Chase Sapphire Reserve Military 2022: $550 Annual Fee Waived MLA
Amex Gold Card Military: 60k Points, $250 Annual Fee Waived
Amex Platinum vs Amex Gold | Which Card is Better for Military in 2022?
Chase Sapphire Preferred Military SCRA MLA
Chase Sapphire Preferred Military: Waived Annual Fee, 60k Welcome Offer
New AMEX Blue Cash Preferred NO ANNUAL FEE FOR MILITARY
Amex Blue Cash Preferred Military | $95 Fee Waived, $350 Bonus
capital one venture x
Capital One Venture X Military 2022 | 75k Points, $300 Travel Credit
Amex Platinum Military 2021 MLA SCRA
Chase Sapphire Reserve vs Amex Platinum 2022 | Best Travel Rewards Card for Military
Chase The World of Hyatt Military MLA
Chase World of Hyatt Military Credit Card Review | MLA 2022
American Express Green Card for Military: No Annual Fee!
Amex Green Card Military: Annual Fee Waived, 45,000 Point Bonus
Credit Card Transfer Partners | Amex, Chase, Citi, Cap One, Marriott
credit card application rules by bank
Credit Card Application Rules Updated 2022 | Amex, Chase, and More Banks
Best Credit Cards for Reserve Military – Amex and Chase
US Bank Altitude Reserve Military MLA
U.S. Bank Altitude Reserve Military Benefits 2022
national guard AMEX SCRA Platinum
American Express Platinum National Guard + Reserve Title 10 and Title 32 SCRA and MLA
Chase Sapphire Preferred Military SCRA MLA
Best Credit Cards for Veterans and Military Retirees 2022

Recent Articles

Want more articles? Find all my articles in the Military Money Manual Blog or in the Archives.

Want more articles? Find all my articles in the Military Money Manual Blog or in the Archives.