Military Credit Cards 2019

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.

As a military servicemember, you are entitled to certain special credit card benefits under the Servicemember Civil Relief Act (SCRA) and Military Lending Act (MLA).

Under a generous interpretation of the SCRA, American Express waives all annual cardholder fees.

Chase Bank will also waive all personal card annual fees under their interpretation of the Military Lending Act.

This can save you hundreds of dollars a year while still giving you access to some of the best credit cards in the world.

If you're new to credit cards, make sure you take my Ultimate Military Credit Cards Course. It's a 5 day, 100% free email based course to learn how to fly and stay at hotels for free.

American Express and Chase offer the most flexible rewards programs and have the best bonuses on the market. Check out the military credit card bonus page I update monthly.

It has the best bonuses available for a variety of cards on the market. It's also an easy way to support this site, as I receive a referral bonus if you use my links. Thanks in advance if you do use any of my links!

Signing up for credit card bonuses is the fastest way to earn cash back rewards, travel and hotel points, and airline miles.

I earn $1000+ worth of bonuses every year and my credit score never varies by more than 20 points. American Express and Chase offer US military members no annual fees on many of their credit cards.

Here are the best credit card offers available. I always earn at least $100 on a credit card welcome bonus and usually $500+.

AMEX Platinum

Military SCRA MLA AMEX Platinum

The Platinum Card from American Express (open one here) is the Holy Grail of luxury travel cards.

It carries a $550 annual fee that is completely waived for US active duty servicemembers and their spouses.

Again, you pay $0 in annual fees if you are active military (or Guard or Reserve in some cases) or married to a servicemember.

The benefits of this card are fantastic:

  • 60,000 Membership Rewards Points after $5000 spend in first 3 months after opening (terms apply)
  • $200 credit for Uber rides (or Uber Eats!) annually
  • $200 airline fee credit
  • $100 annual Saks Fifth Ave Credit (see what I buy here)
  • Centurion Lounge and Priority Pass Airport Lounge Access
  • NO foreign transaction fees
  • $550 Annual Fee WAIVED for US Military (and spouses)!

This is a must have card for every military servicemember. Get it in your wallet today!

Chase Sapphire Reserve

Chase Sapphire Reserve bonus

The Chase Sapphire Reserve is my favorite travel credit card. The bonus is 50,000 Ultimate Reward points worth $750 after spending $4,000 in 3 months.

No foreign transaction fees and 3x the points on travel and dining, my two favorite luxuries. You also get a $300 annual travel credit, which effectively reduces the $450 annual fee to $150.

Your UR points can also be spent in the UR travel portal for a 50% bonus, making your UR points even more valuable.

This is my most commonly used card, especially since it has no foreign transaction fees and I'm on an overseas assignment.

The 3% back on travel, whether it's hotels or airlines, means this card is always in my wallet. I also make sure I pay for all of my dining out on this card.

The travel partners you can transfer to, like Singapore Airlines and United, make this a powerful card to combine with the cash back Freedom cards.

You can consolidate all the points you earn across all of your Chase cards on this card for the most bang for your buck.

Leave a Comment

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