Citi Military Benefits on Credit Cards | 2020 MLA Policy Update

See why the AMEX Platinum is my top recommended military credit card.
I can show you how to get your 1st $550 annual fee waived when you sign up for my Ultimate Military Credit Cards course

Military Money Manual has partnered with CardRatings for our coverage of credit card products. Military Money Manual and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Thank you for supporting my independent, veteran owned site.

Citi waives annual fees for military servicemembers on their credit cards including the Citi Premier Card. This is a similar policy to the American Express Platinum military benefits and Chase Sapphire Reserve military perks.

Citi Premier Military Benefits

Here's what my MLA fee waiver looked like when I opened a Citi Premier card:

Citi Military Lending Act: No Annual Fees

As you can see, the annual fee was charged and then credited back to the account once MLA benefits were applied to the account.

How to Get Your Citi Credit Card Fees Waived With MLA

Here is how I got my annual fees waived on my Citi Premier card.

  1. Verify your Military Lending Act eligibility on the MLA database website
  2. Send a quick email to [email protected] Here is an example of a Citi Military Lending Act request email:

Good morning!
I recently applied for and was accepted for a Citi Premier card. Could I please have Military Lending Act (MLA) protections applied to the account?

Please see my attached MLA certification as evidence of military service.

Thank you!

I attached my MLA certification from the MLA database in the hopes it would speed up the process. I received the following email in return automatically a few minutes later:

Your request has been received. It will be processed in the order it was received.

Thank you,
Citi Military Response Unit

Email received from [email protected]
How long does the Citi MLA fee waiver process take?

Less than 2 weeks. In my experience, I sent my Citi MLA request via email on June 14th. On June 25, the MLA fee credit was posted to my Citi credit card online activity.

What is the email address for Citi MLA fee waivers?

[email protected] is the best way to contact the Citi Military Response Unit for MLA benefits.

2 thoughts on “Citi Military Benefits on Credit Cards | 2020 MLA Policy Update”

  1. Do you know if Citi MLA fee waivers also apply to their CitiPrestige card? In my situation I’d be applying for the card while on active duty, not before. I’m unsure if that affects the MLA benefits or not.


Leave a Comment

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