Check out this month's top recommended cards WITH NO ANNUAL FEES for US military.
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Updated October 2018.

  • Platinum Card from American Express 60,000 points ($900) Available here.
  • Chase Sapphire Reserve 50,000 points ($750) Available here.
  • Chase Ink Preferred 80,000 points ($1200) Available here.
  • American Express SPG Business 100,000 Marriott Rewards points ($1000) Available here.
  • American Express Premier Rewards Gold 25,000 points ($500) Available here.
  • Chase Freedom Unlimited 15,000 points ($225) Check it out.
  • Chase Freedom Bonus: 15,000 points ($225) Available here.

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 10 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+.

Military SCRA MLA AMEX Platinum

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. You pay $0 in annual fees if you are active military 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
  • 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 Ink Business Preferred

Chase Ink Business Preferred

The Chase Ink Business Preferred card has the best Chase Ultimate Rewards welcome bonus at the moment. For a limited time the bonus is 80,000 UR points worth $800 cash, $1200 in travel bookings, or much more if redeemed for travel with a Ultimate Rewards transfer partner like Singapore Airlines. You can earn the bonus if you spend $5000 in the first 3 months of card opening.

Even if you don't think you have a business, you can open this card with just your Social Security number, like any other card. You DO NOT need an EIN or an LLC.

If you ever sell anything on Ebay or Craigslist, do any kind of consulting work, have a blog, or make any money outside of your traditional W-2 income job, you have a business and are eligible for business credit cards. This is true even if the business or hobby business makes no money! Select “sole proprietor” as your business type, use your SSN as the tax ID, and use your name as the business name.

This is a lucrative, limited time bonus that you need to get on, especially if you are still eligible for Chase cards.

SCRA MLA AMEX SPG BUSINESS

AMEX SPG Business

The American Express Starwood Preferred Guest Business credit card is currently offering 100,000 Marriott Reward points worth $1000 and no annual fee for US military members. You must spend $5000 on the card in the first 3 months of opening it. Even if you don't think you have a business, you can open this card with just your Social Security number, like any other card. You DO NOT need an EIN or an LLC.

If you ever sell anything on Ebay or Craigslist, do any kind of consulting work, have a blog, or make any money outside of your traditional W-2 income job, you have a business and are eligible for business credit cards. Select “sole proprietor” as your business type, use your SSN as the tax ID, and use your name as the business name.

Marriott and SPG just completed their merger in August 2018, so now all SPG cards give you Marriott Reward points. You can still transfer to multiple airline partners as well as book Ritz-Carlton, Marriott, and SPG properties around the world with your points. If you transfer 60,000 points to a partner airline, Marriott will add 15,000 bonus points to the transfer. Grab this card now while this great deal lasts!

AMEX Gold Card

The American Express Gold Card is offered with no annual fee for US military members. Check out this card hereThe bonus is 25,000 Membership Reward points worth $500 after spending $2000 in 3 months. AMEX MR points are extremely flexible, with over 15 great transfer partners like Singapore Airlines, Delta, Emirates, Hilton, SPG, and JetBlue. I just booked 2 round trip business class tickets on Singapore with a combination of AMEX and Chase points.

The best value for this card is keeping it on a separate log on. Then, upgrade the Gold Card after a year to another AMEX Platinum card.

You also get a $100 airline credit with this card. You can use it to buy gift cards or in-flight meals on certain airlines and reduce the cost of your fares. Take advantage of your MLA/SCRA military benefits and get this AMEX card with no annual fee.

Chase Sapphire Reserve bonus

Chase Sapphire Reserve

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

Chase Freedom Unlimited

Chase Freedom Unlimited

The Chase Freedom Unlimited is my go to card when I'm CONUS. The 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. Obviously if you can get 5% back on easy categories like gas or groceries with the Chase Freedom card below do that. Otherwise you this card to get 1.5% cash back on every purchase.

Chase Freedom Credit Card

Chase Freedom

The 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 or $150 if you just cash them out. 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.

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.

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