These are my top recommended credit cards for this month. Some have $450-550 annual fees waived exclusively for US military personnel.

The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.

Credit card companies are desperate for you to use their cards. Some of the welcome bonuses they offer are ridiculously high, easily surpassing $1000 of value. For military servicemembers and spouses, the benefits are even greater since annual fees are waived on Chase personal cards and all American Express cards.

You can earn free hotel stays, almost free* air travel (*just paying taxes and fees, usually under $50), business or first class upgrades, airline fee reimbursement, monthly Uber or UberEats credits, free Centurion and Priority pass airport lounge access, and the list goes on.

My wife and I have earned over 1.3 million points over the past 2 years without paying a dime in interest or fees. Thanks to military annual fee waivers, the outstanding travel, hotel, and airline benefits of the best credit cards are unlocked for military personnel and their families.

Learn more about how servicemembers and their spouses can get their annual fees waived on Chase and AMEX cards.

Pay off your balance every month and you can join me and thousands of other servicemembers in taking advantage of your SCRA and MLA benefits.

Barclaycard Arrival Plus World Mastercard (Limited Time Increased Bonus)

  • 70,000 welcome bonus worth $700 towards travel as a statement credit after $5000 in purchases in the first 90 days
  • $89 annual fee waived for the first year
  • Unlimited 2x points per dollar spent.
  • Your $5000 minimum spend will net you 10,000 points. Plus the 70k welcome bonus is 80,000 points, or $800 of travel credit to redeem.
  • Learn more by clicking on the banner below:

Chase Ink Business Preferred (Best Limited Time Offer for this Card)

Chase Ink Business Preferred Veteran and Military

  • 80,000 Chase Ultimate Rewards welcome bonus points after $5000 of spend in the first 3 months
  • 80,000 UR points = $1000 worth of travel when redeemed through Ultimate Rewards portal. Can be worth $1200 in travel if transferred to Chase Sapphire Reserve
  • Cell Phone Protection: Up to $600 coverage against theft or damage when you pay your monthly cell phone bill with your CIP
  • Earn 3X points on travel, shipping purchases, Internet, cable and phone services, and online advertising purchases
  • NO Foreign Transaction fees
  • $95 annual fee (not waived for military), but worth it just for the welcome bonus alone

The Platinum Card from American Express (Best Overall Travel Card for US Military)

Military SCRA MLA AMEX Platinum

  • See why this is my top recommended card for US military personnel
  • Annual fee of $550 waived for US military personnel and spouses
  • 60,000 Membership Reward Points welcome bonus (valued at $1200 by The Points Guy)
  • $200 annual Uber or UberEats credit (free taxi or food)
  • $200 annual airline fee credit (can be used on some airlines for gift cards)
  • Centurion and Priority Pass lounge access for free
  • No foreign transaction fees
  • Heavy metal card that looks and feels really cool
  • Note that some people are targeted for 100,000 point welcome bonuses. You should check if you are eligible on the AMEX website.

Chase Ink Business Cash Card

Chase Ink Business Cash Credit Card for Veterans and Military

  • $500 bonus cash (50,000 UR Points) after you spend $3000 in 3 months
  • 5% cash back on the first $25,000 spent at office supply stores and on internet, cable and phone services
  • 2% cash back on the first $25,000 spent at gas stations and restaurants
  • 1% cash back on everything else
  • No Annual Fee (for everyone, not just military)

Chase Ink Business Unlimited

Chase Ink Business Unlimited Credit Card for Veterans and Military

  • $500 bonus cash (50,000 UR Points) after you spend $3000 in 3 months
  • Unlimited 1.5% cash back on all purchases
  • No Annual Fee (for everyone, not just military)

Chase Sapphire Reserve

Chase Sapphire Reserve bonus

  • $450 annual fee and $75 authorized user fee WAIVED for US military and spouses (Chase MLA)
  • $300 annual travel credit. That's $300 FOR FREE on any travel purchase (Uber, taxi, airfare, hotel, train, car rental, etc)
  • 50,000 bonus points when you spend $4000 in the first 3 months of opening account (at least $750)
  • 3x points on travel and dining worldwide
  • Automatic travel insurance on trips purchased with the card including trip cancellation, delay, interruption, lost baggage, and auto rental collision
  • $100 Global Entry sign up fee reimbursed every 4 years
  • No foreign transaction fees

American Express Gold Card

  • Learn more about this excellent card here
  • $250 annual fee waived for military
  • 25,000 Membership Reward welcome bonus offer after $2000 spending in first 3 months
  • Limited Edition Rose Gold metal card available until January 9, 2019 (my wife loves it)
  • Receive 20% back as a statement credit at U.S. Restaurants with the Gold Card within the first 3 months of your Card Membership, up to $100 back. Offer available to new Card Members who apply by 1/9/2019
  • 4x Points at US restaurants and supermarkets
  • $100 annual airline fee credit
  • $10/month credit at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House and participating Shake Shack locations
  • You can convert this card to another AMEX Platinum after 1 year of card membership. This gives you an additional $200/year of Uber/UberEats credits and $200/year of airline fee credits or gift cards.

American Express Hilton Honors Aspire Card

Free Diamond Status at Hilton Hotels for Military

  • Learn more about this great card here
  • $450 annual fee waived for US military servicemembers and spouses
  • Complimentary Diamond Status at all Hilton brands (suite upgrades, breakfast, check in gifts, etc)
  • 150,000 Hilton Honors Bonus Points welcome offer after $4000 of purchases in the first 3 months
  • 1 weekend night reward after opening your account and every year on renewal
  • $250 Hilton Resort Credit
  • $250 airline fee credit (similar to the AMEX Platinum, also free for military)
  • 14x Hilton Honors Bonus Points at Hilton properties
  • No foreign transaction fees


  • Added Barclaycard Arrival Plus World Mastercard 3 Dec 18

Best Military Credit Card Bonus Offers for December 2018

AMEX Platinum With NO Annual Fees for US Military

Military SCRA MLA AMEX Platinum

Military servicemembers and spouses can get the American Express Platinum with NO annual fees.  Pick up your military annual fee waived card here!

Learn more about the AMEX 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, Chase credit cards, and this month's top recommended credit card bonuses, most with no annual fees for US military personnel.

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