Let me show you how to get your first $550 credit card annual fee waived in my Ultimate Military Credit Cards course
The Amex Gold card is annual fee waived for military. It's even better than the Amex Platinum for everyday spending on dining and groceries.
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.
The Citi credit cards MLA program waives annual fees for military servicemembers. This is a similar policy to the American Express Platinum military benefits and Chase Sapphire Reserve military perks.
Citi credit cards with no annual fee for military include:
- Citi® Double Cash Card
- Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
- Citi® / AAdvantage® Executive World Elite Mastercard®
- Citi® Premier® Card
- Citi® Prestige® Card
- Learn how to apply for the Citi® Premier® Card
- Earn 60,000 Citi ThankYou points after spending $4000 in the first 3 months of account opening
- 3x points at restaurants and supermarkets
- 3x points on Gas Stations, Air Travel, and Hotels
- 1 point per $1 on everything else
- No foreign transaction fees
- $95 annual fee waived for military with Citi MLA, see details below
Citi MLA Explained
Here is how I got my annual fees waived on my Citi Premier card.
- Verify your Military Lending Act eligibility on the MLA database website
- Send a quick email to [email protected]
Here is an example of a Citi Military Lending Act request email:
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.
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,Email received from [email protected]
Citi Military Response Unit
Some users note that your first statement should close with a balance LESS THAN the annual fee divided by .36 but greater than $0. This is to ensure that the annual fee is 36% of your usable credit and therefore it will trigger an MLA fee waiver. I have not had to do this.
For example, on the Citi Prestige with a $495 annual fee, you take 495 / .36 and get $1375. You need to make sure that your first statement closes greater than $0 but less than a balance of $1375. Then request the MLA fee waiver through the method above.
Citi Prestige Military Fee Waiver
The Citi Prestige is a excellent travel rewards credit card for military servicemembers and their spouses.
The Citi Prestige Travel Rewards Credit Card normally has a $495 annual fee. Military servicemembers and their spouses eligible for Military Lending Act (MLA) benefits can get the annual fee waived down to $0. See an example from a Ultimate Military Credit Cards Course below:
Benefits of the Citi Prestige card include:
- 50,000 bonus ThankYou points after spending $4000 with 3 months of account opening
- $495 annual fee waived for military
- $250 travel credit every calendar year
- 4th night free at hotels booked through ThankYou.com
- 5x points on all air travel and restaurants
- 3x points on hotels and cruise lines
- 1x points on everything else
- $100 Global Entry credit every 5 years
- No foreign transaction fees
The Citi Prestige card benefits easily compares to the better known AMEX Platinum and Chase Sapphire Reserve. You can compare the AMEX Platinum vs the CSR in this article. I recommend all military servicemembers and spouses pick up an AMEX Platinum, Chase Sapphire Reserve, and a Citi Prestige, along with all of my other recommended military credit cards.
Citi ThankYou Points Transfer Partners
You can transfer Citi ThankYou Points (TYP) to:
- Asia Miles
- Avianca Lifemiles
- Etihad Guest
- Eva Air
- Flying Blue (KLM and Air France)
- Malaysia Airlines Enrich
- Thai Royal Orchid Plus
- Turkish Air Miles and Smiles
- Virgin Atlantic Flying Club
Citi Premier MLA
Here's what my MLA fee waiver looked like when I opened a Citi Premier card:
As you can see, the annual fee was charged and then credited back to the account once MLA benefits were applied to the account.
Citi Credit Cards MLA FAQ
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.
[email protected] is the best way to contact the Citi Military Response Unit for MLA benefits.
Yes! Citi Prestige waives the $495 annual fee for US military servicemembers and spouses. Citi does this to comply with their Military Lending Act (MLA) program.