Welcome to Military Money Manual!

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

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.

You can sign up for the beginner's course here. Over 2000 military folks like you have graduated. Join us today and get your first $550 annual fee waived.

Go here to learn more about me and my site. Thanks for visiting!

Best Military Credit Cards With No Annual Fees


I get $5000+ in credit card fees waived every year. You can too.‚Äč

  • If you're a US military servicemember or spouse, let me show you how to get your first $550 annual fee waived.
  • Take my 100% free, 5 day, online course and I will show you how you can get the best luxury travel and cash back cards and pay no annual fees.
  • I get $5000+ in credit card fees waived every year. You can do it too and reap the fantastic benefits of these cards.

Best Military Credit Card Welcome Offers 2020

Annual fees up to $595 waived for US military personnel and their spouses. Welcome bonuses valued at over $2000.

Optimal Order to Apply for Military Fee Waived Credit Cards

Don't miss out on optimizing your military credit card benefits! Apply in this exact order to maximize your SCRA and MLA benefits.

Military SCRA MLA AMEX Platinum

American Express Waives All Annual Fees for US Military Servicemembers and Spouses

American Express offers all of their credit and charge cards to US military personnel and spouses without annual fees.

Chase Sapphire Reserve No Annual Fee for Military

Chase Credit Cards with No Annual Fee for US Military and Spouses

Since September 2017, Chase Military Lending Act (MLA) policy waives all annual fees on personal credit cards for active duty and spouses.

Featured Articles

Investing in the Military

Learn how to invest while you serve in the military. TSP, SDP, BRS, Roth IRAs, etc.

How to Time the Stock Market

Spoiler alert: you can't. And neither can I. So don't even try!

Microsoft Office Home Use Program (HUP) for Military Servicemembers

Get up to 30% off Microsoft Office 365 Home with your military email address.

McAfee Military Discount

McAfee Military Discount

Great savings for military servicemembers on McAfee Anti-Virus

$1,000,000 Book List

Read these books, apply the knowledge within, and I think you will add $1,000,000 to your net worth over your life.

Dell Military Discount - 10% Off for Active Duty and Veterans

Get 10% off on all Dell products with the Dell military discount.

military deployment

Deployment Savings Challenge: $50,000+

Deployed in the military? See if you can save 5 figures while you're away from home.

LICWO and Circuitous Travel Guide

PCSING OCONUS or going TDY? Add some leave on to your official travel and get your airfare reimbursed.

Lowe's Veterans Discount

Active duty and military veterans Save 10% every day at Lowe's home improvement stores.

The Average Net Worth of a Military Officer

Every wonder how much military officer's are worth? Find out here.

Amazon Prime Veterans Day Discount

Get the 2020 Amazon Prime Veterans Day Military Discount, only available until 11 Nov 2020!

Veterans Day 2020

Veterans Day 2020 freebies: free meals, deals, and discounts for active duty, Guard, Reserve, retirees, and veterans.