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Military Card Mission Navigator
Dynamic Roadmap for Household Optimization
Since you already have the Platinum Card, what is your focus?
Stop Leaving “Free Travel” on the Table.
If you’re Active Duty, a Guard/Reserve member on orders, or a military spouse, you have a superpower: The banks are essentially required to pay for your luxury travel.
Between the Military Lending Act (MLA) and the Servicemembers Civil Relief Act (SCRA), the massive annual fees on premium cards are reduced to $0 for covered borrowers of the Acts.
But here is where most people mess up: They apply for cards in the wrong order, they ignore the “Two-Player” referral strategy with their spouse, or they accidentally lock themselves out of the best bonuses by ignoring the Chase 5/24 rule.
Which Card is Your “Next Mission?”
I get emails every day asking, “Spencer, I have the Amex Platinum Card… what should I get next?” The answer isn't the same for everyone. It depends on your current “inventory,” your 5/24 status, and whether you’re trying to stack a million points for a honeymoon or looking for the best recurring annual benefits or lounge access for your next PCS.
Use the Navigator above to get your personalized roadmap in under 60 seconds.
Why the Order Matters
I’ve spent a decade refining the “Big Three” strategy. If you get it right, you and your spouse can easily sit on over 1,000,000 points within your first two years of service. If you get it wrong, you’ll get a “denied” letter from Chase because you opened too many “easy” cards first.
The Navigator accounts for:
- Chase 5/24 Rules: We prioritize Chase while you're still eligible.
- Two-Player Mode: We tell you exactly when to use a spouse’s referral link to double your household points.
- 2026 Bonus Tiers: We target the highest current offers to ensure you aren't wasting a hard inquiry on a “standard” offer.
Ready to Go Pro?
If you want the deep-dive, step-by-step video training on how my wife and I have earned millions of points and traveled the world for free, check out the Ultimate Military Credit Cards Course (UMC3).
I’ll show you the exact “Two-Player” spreadsheet I use to track my household strategy and how to ensure your fees are waived correctly every single time.