Check out this month's top recommended cards WITH NO ANNUAL FEES for US military.
I recommend Personal Capital. It's my favorite free net worth tracking tool.

The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.

The best cash back credit cards for active duty US military servicemembers can put up to 6% back in your bank account. Cash back cards are great if you do not travel frequently or you just want to be rewarded for your everyday purchases.

Cash back cards offer the simplicity of just getting cold hard cash for your normal spending. Some of them offer extra cash back bonuses in specific categories like gas stations, groceries, supermarkets, or pharmacies.

The AAFES or NEX gas stations on base or post qualify for the gas category. The Commissary rings up as a supermarket and the Shoppette usually qualifies as a gas purchase.

All the cards listed below also have a welcome bonus, which you will receive after spending the minimum amount required in the time required. These are often low threshold minimums ($500-$1000) with plenty of time to meet the spend.

American Express Blue Cash Preferred

amex cash back card for active duty

  • Learn more about this card HERE
  • Normally a $95 annual fee, FREE for US military
  • $200 welcome bonus after spending $1000 in the first 3 months of Card Membership
  • 6% cash back on US supermarkets, including the Commissary
  • 3% cash back on US gas stations and select US department stores
  • 1% back on all other purchases

The American Express Blue Cash Preferred is the best day-to-day cash back credit card for military servicemembers. The 6% cash back at US supermarkets, including the DECA Commissary on base/post, is the best cash back offer available on any category. It also works overseas, as Commissary transactions process like you are in the States.

The 3% cash back on US gas stations also works on OCONUS and CONUS bases, at the NEX and AAFES gas stations.

You can also get a $200 welcome bonus after spending $1000 in the first 3 months of card membership. This is only $333 per month, a very easy spending threshold. The Blue Cash Preferred is an excellent choice for military servicemembers, especially since the $95 annual fee is completely waived.

Capital One Quicksilver

best cash back credit cards for military

  • Learn more about this card HERE
  • $150 Cash Back after you spend $500 on purchases within 3 months from account opening
  • 1.5% cash back on all purchases including gas, BX, PX, AAFES, and Shoppette
  • No limit to how much you can earn, points never expire, no rotating categories
  • No annual fee
  • No foreign transaction fees (rare for no annual fee cards)

Chase Freedom

  • Learn more about this card HERE
  • $150 welcome bonus after $500 of purchases in the first 3 months after opening card
  • 5% cash back on rotating categories up to $1500
  • 1% cash back on every other purchase
  • Points never expire as long as account is open
  • No annual fee

no annual fee credit cards for active dutyThe Chase Freedom card offers 5% back on rotating categories and no annual fee. Click here to check out this card.

The welcome bonus is 15,000 Ultimate Reward points worth $225 if you transfer them to your Chase Sapphire Reserve with no annual fee for military. Or $150 if you just cash out your points.

I’ve had this card since I joined the military. I keep it open to age my credit history with no annual fee.

Gasoline is usually one of the categories for half the year, making this a great card to use to fill the car up. I usually put whatever the 5% category is on this card, then travel and dining on my Sapphire Reserve, and then everything else on my Chase Freedom Unlimited.

Chase Freedom Unlimited

  • Learn more about this card HERE
  • $150 welcome bonus after $500 of purchases in the first 3 months after opening card
  • 1.5% cash back on every purchase
  • No annual fee

Chase Freedom Unlimited cash back rewards card for militaryThe Chase Freedom Unlimited is my go to card when I’m CONUS.

The welcome bonus is 15,000 Ultimate Reward points worth $225 if you transfer them to your Chase Sapphire Reserve or $150 if you just cash them out.

The card offers a simple 1.5% cash back on every purchase and no annual fee. Great to use for online purchases or anything other than travel and dining which you should get 3% back on with your Sapphire Reserve.

This is my default card when I’m back in the States. If you can get 5% back on easy categories like gas or groceries with the Chase Freedom card above do that. Otherwise use this card to get 1.5% cash back on every purchase.

American Express Cash Magnet Card

best amex cash back card for military

  • Learn more about this card HERE
  • $150 cash back welcome bonus when you spend $1000 in the first three months of Card Membership
  • $100 additional cash back earned after $6500 of spend in first 3 months
  • 1.5% cash back unlimited
  • No annual fee

American Express Blue Cash Everyday

amex cash back for military

  • Learn more about this card HERE
  • $150 cash back when you spend $1000 in the first 3 months of getting the card
  • 3% back at US supermarkets, 2% on US gas stations, 1% on all other purchases
  • No annual fee

Cash back cards offer US military members an easy way to earn cash for the day to day spending of life.

My first credit card was a cash back American Express. A cash back card is a great way to start building your credit history so you can qualify for the best military credit cards, like the AMEX Platinum (learn more here).

Are you are more of the travelling type? Does the idea of flying business class to New Zealand and Australia for New Year's Eve sound like a dream vacation? Then check out my step by step guide of no annual fee luxury travel cards for military servicemembers.

Best Cash Back Credit Cards for Active Duty Military 2018

AMEX Platinum With NO Annual Fees for US Military

Military SCRA MLA AMEX Platinum

Military servicemembers and spouses can get the American Express Platinum (learn more here) with NO annual fees. 

Learn more about this military fee waiver.

The AMEX Platinum offers:

  • $550 Annual Fee WAIVED for US Military (and spouses)!
  • 60,000 Membership Rewards Points welcome offer
  • $200 credit for Uber rides (or Uber Eats!) annually
  • $200 airline fee credit
  • Centurion Lounge and Priority Pass Airport Lounge Access
  • NO foreign transaction fees

These benefits make it my top recommend card.

If you already have an AMEX Platinum card, check out the other AMEX cards and Chase credit cards with no annual fees for US military personnel.

Subscribe to our mailing list

* indicates required
“Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.”

2 thoughts on “Best Cash Back Credit Cards for Active Duty Military 2018

  • September 25, 2018 at 21:51
    Permalink

    If you were lucky enough to get USAA limitless 2.5% cashback card (no longer offered), I think it’s the best cashback card.

    Reply
    • September 30, 2018 at 23:59
      Permalink

      Yes, a great card. Hopefully they offer it again soon.

      Reply

What are your thoughts?

This site uses Akismet to reduce spam. Learn how your comment data is processed.