Bank of America Military Credit Card Benefits | MLA & SCRA 2022

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Bank of America does not waive annual fees for military servicemembers and spouses on their credit cards. I applied for both Military Lending Act MLA and Servicemembers Civil Relief Act SCRA benefits on my Bank of America Alaska Air Miles Visa credit card.

Based on the verbiage in the rejection letter, it appears that BoA is only applying SCRA to servicemembers accounts and is ignoring the MLA. I'm not sure how to get around this right now but I will not be pursuing any more Bank of America cards.

Chase and American Express continue to waive annual fees for servicemembers and spouses on accounts opened while on active duty.

I recommend the Amex Platinum, Chase Sapphire Preferred, and all the free military hotel credit cards so you can automatic upgrades at nearly any hotel you check into.

Bank of America MLA Response

Here is the Bank of America SCRA denial letter in PDF format from the Military Benefits Unit. And here is the text:

Unfortunately, we're unable to approve your request for military benefits.
Here are the details
Alaska Airlines Visa Signature
Account number ending:

Unfortunately, we're unable to approve your request for military benefits because:
In order to qualify for benefits, an obligation or liability must be incurred by the servicemember or by an eligible dependent of the servicemember prior to an applicable period of military service.

How to Apply for Bank of America Military Benefits

Here is the email I sent to the Bank of America Military Benefits (SCRA and MLA) team: [email protected]

From: Spencer from Military Money Manual
Sent: Wednesday, July 22, 20XX 8:45 PM
To: Military Benefits <[email protected]>
Subject: MLA Bank of America Credit Card


I recently received my Bank of America Alaska Air Mileage Plan credit card. I noticed it had a $75 annual fee. I am an active duty US servicemember and should be eligible for MLA benefits. Please see my attached certificate from the MLA database.

What is Bank of America's policy with regards to the Military Lending Act (MLA) and annual fees? 

Is it calculated into the 36% Military Annual Percentage Rate (MAPR)?

Thank you for your time,


Here was BoA's response on how to submit the form:

We’re providing instructions for you to submit your Military Benefits Request Form.
What you need to do
1. Establish a secure communication by following the instructions provided in the attachment.
2. Download the Military Benefit Request Form.
3. Complete the Military Benefit Request Form by typing your responses into the PDF and saving the document to your computer. Do not submit handwritten responses.
4. Attach the completed Military Benefit Request Form to your secure email and send it to the Military Benefits Team.

What happens after you submit your benefit request?
We’ll use the information you provide on this form to verify your eligibility for military benefits, including contacting the Department of Defense’s Manpower Data Center (DMDC). If we’re unable to confirm your military service through the DMDC, we may contact you to provide additional qualifying military documentation. Please allow up to 30 days for a response to your request. We thank you for your service and appreciate your business.

We want to help with all of your financial needs while you’re supporting and protecting our country. You can find additional resources, including financial education and information about how we support those who serve our country, at If you have any questions, please send them to [email protected].

If you have had any luck getting Bank of America to waive your annual fees on your credit cards as a military servicemember, please let us know how you did it in the comments. Thanks!

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