Welcome to Military Money Manual!

Hey, I'm Spencer. I'm an active duty US Air Force officer investing for financial independence by age 40.

I started the Ultimate Military Credit Cards Course to help US military servicemembers and their spouses find the best military credit cards with no annual fees.

You can sign up for the beginner's course here. Over 4500 military folks like you have graduated. Join us today and get your first $550 annual fee waived today.

Go here to learn more about me and my site. Thanks for visiting!

Best Military Credit Cards With No Annual Fees

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I get $6000+ in credit card fees waived every year. You can too.

  • If you're a US military servicemember or spouse, let me show you how to get your first $550 annual fee waived.
  • Take my 100% free, 5 day, online course and I will show you how you can get the best luxury travel and cash back cards and pay no annual fees.
  • I get $5000+ in credit card fees waived every year. You can do it too and reap the fantastic benefits of these cards.

Best Military Credit Card Welcome Offers 2021

Annual fees up to $595 waived for US military personnel and their spouses. Welcome bonuses valued at over $2000.

Optimal Order to Apply for Military Fee Waived Credit Cards

Don't miss out on optimizing your military credit card benefits! Apply in this exact order to maximize your SCRA and MLA benefits.

Amex Platinum Military 2021 MLA SCRA

American Express Waives All Annual Fees for US Military Servicemembers and Spouses

American Express offers all of their credit and charge cards to US military personnel and spouses without annual fees.

Chase Sapphire Reserve No Annual Fee for Military

Chase Credit Cards with No Annual Fee for US Military and Spouses

Since September 2017, Chase Military Lending Act (MLA) policy waives all annual fees on personal credit cards for active duty and spouses.

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LICWO and Circuitous Travel Guide

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Microsoft Office Home Use Program (HUP) for Military Servicemembers

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Lowe's Veterans Discount

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McAfee Military Discount

McAfee Military Discount

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