MLA Database, Military Lending Act Website

The Military Lending Act or MLA database is a Department of Defense Manpower website that allows consumers, banks, credit card companies, and other lenders to verify if a consumer is a “covered borrower” as defined by the Military Lending Act of 2006.

You can access the Military Lending Act website at https://mla.dmdc.osd.mil/mla/

The Military Lending Act protects servicemembers, spouses, and dependents from certain lending practices, such as charging more than 36% annual interest on loans.

Some credit card companies and banks waive annual fees on their credit cards to comply with the strict rules of the MLA law.

Learn more about getting your annual fee waivers on Chase and American Express cards in the podcast episode below or in my Ultimate Military Credit Cards Course.

You may use the MLA database to look up your record, a spouse's record, or a dependent's record.

The Defense Manpower Data Center will verify an individual's covered borrower status by verifying if the social security number provided is on active duty, a spouse of an active duty servicemember, or a dependent of an active duty servicemember.

For National Guard and Reservists, if you are on 30+ day active duty orders you should be in the MLA database and should be covered borrowers. Your spouses should also be covered borrowers while you are on active duty orders.

The text you want to see when you pull an MLA report is:

“Based on the information you provided, DMDC does possess information indicating that the individual is either on active duty for more than 30 days or a family member of a service member on active duty for more than 30 days based on the Status Inquiry Date.”

Military Lending Act Credit Cards

Many banks and companies choose to waive annual fees for MLA covered borrowers. This makes compliance with the law easier for them. There are many credit cards that waive annual fees for military. I listed some of the best below.

Amex MLA Database

American Express waives annual fees on their cards for covered borrowers such as military servicemembers members on active duty orders and their spouses.

The Platinum Card^® from American Express
Learn how to apply on our partner's secure site

• $695 annual fee. Reduced to $0 with American Express special military protections
• You may be eligible for as high as 175,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount – all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.
• Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel® up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel®.
• $200 Annual Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings through American Express Travel using your Platinum Card^®. Note that The Hotel Collection requires a minimum two-night stay
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month when you pay for eligible purchases with the Platinum Card^® at your choice of one or more of the following providers: Disney+, a Disney+ Bundle, ESPN+, Hulu, Peacock, The New York Times, and The Wall Street Journal. Enrollment required.
• $200 Uber Cash: Platinum Card® Members can get $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction. Enrollment required.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to your Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
• $199 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. Receive up to $199 in statement credits per calendar year after you pay for your CLEAR Plus Membership (subject to auto-renewal) with the Platinum Card®.
• This is a MAJOR time saver–$120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA PreCheck® official enrollment provider) application fee, when charged to your Platinum Card®! Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Lounge life! Enjoy the benefits of the Global Lounge Collection, with over $500 of annual value if you visit Centurion Lounges and each of our partner lounges including Delta Sky Club® lounges when flying an eligible Delta flight (subject to visit limitations), select Lufthansa lounges when flying Lufthansa, Plaza Premium lounges and Escape Lounges, and enroll in Priority Pass Select. See terms.
• A Walmart+ membership can get you free shipping with no order minimum on eligible items shipped by Walmart. Use your Platinum Card® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive one statement credit for up to $12.95 (plus applicable taxes. Plus Ups not eligible) each month. Free Shipping excludes most Marketplace items, freight & certain location surcharges. Paramount+ Essential plan only, separate registration required.
• Up to $100 annual Saks Fifth Avenue credit, enrollment required
• Global Dining Access by Resy gets you access premium dining experiences. Receive Priority Notify and unlock insider access to some of the world's most sought-after restaurants with Global Dining Access by Resy. Download the Resy iOS app or log into Resy.com and add your Platinum Card® to your Resy profile to take advantage of your special benefits and discover restaurants near you.
• No foreign transaction fees
• Enrollment is required for select benefits
• The Platinum Card^® from American Express – learn how to apply
• Read my full review of the Amex Platinum card for military, terms apply

American Express^® Gold Card
Learn how to apply on our partner's secure site

• You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount – all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.
• 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.
• 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- includes OCONUS Commissaries
• 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
• 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
• 1X Membership Rewards® point per dollar spent on all other eligible purchases.
• No foreign transaction fees – great for the 4x on restaurants when traveling for fun, OCONUS TDY, or PCS!
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That's up to $120 Uber Cash annually! Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
• $84 Dunkin' Credit: You can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment required.
• $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. Enrollment required.
• Go explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
• Read my full review of the Amex Gold card for military, terms apply
• Enrollment is required for select benefits
• $325 Annual Fee* See more details about American Express protections for you and your spouse 

Chase MLA Database

Chase also waives annual fees for covered borrowers like active duty military servicemembers and their spouses.

Chase Sapphire Preferred^® Card
Learn how to apply on our partner's secure site

• Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
• 5x points on travel purchased through Chase Travel℠
• 3x points on dining (includes takeout, delivery, and dine-in), select streaming services and online groceries
• 2x points on all other travel purchases
• 1x points on all other purchases
• Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
• 10% anniversary points boost – each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year
• No foreign transaction fees, great for overseas OCONUS assignments, TDY, and PCS
• Primary rental car insurance coverage & trip cancellation/interruption insurance, and more.
• DashPass is complimentary which unlocks $0 delivery fees & lower service fees for a minimum of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
• Upgrade to a Chase Sapphire Reserve after 1 year (compare Reserve vs Preferred)
• $95 annual fee waived for military and spouses with Chase Military Lending Act
• Member FDIC

Chase Sapphire Reserve^® Card
Learn how to apply on our partner's secure site

• $795 annual fee waived to $0 for US military + spouses with Chase MLA policy
• Earn 100,000 bonus points + $500 Chase Travel℠ promo credit after you spend $5,000 on purchases in the first 3 months from account opening.
• Earn 8x points on all purchases through Chase Travel℠ including The Edit℠
• 4x points on flights and hotels booked direct
• 3x points on dining worldwide
• 1x points on all other purchases
• Get a $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Live the lounge life at over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests.
• Up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years which saves you a ton of time
• Up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
• Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
• Complimentary Apple TV+ and Apple Music. Subscriptions run through 6/22/27 – a value of $250 annually
• Member FDIC
• Learn more in the Chase Sapphire Reserve review

How to Use the MLA Database

You can run a search for you or your spouse by selecting “single record request.” You will need to create a free account.

You will need your Social Security Number (SSN), birthday, and at least your last name.

If you are having issues with the MLA database, make sure your information is correct in DEERS. Double check birthdays, SSNs, and spelling of names.

FAQ