U.S. Bank Military Credit Cards 2024 | SCRA + MLA Explained

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The U.S. Bank credit card military policy waives annual fees for US servicemembers and spouses. This is done to comply with the Military Lending Act or MLA.

Before applying for a new card, I recommend confirming your MLA status in the MLA database. It should report that you are a “eligible” if you are active duty or married to an active duty servicemember.

If you are eligible for MLA benefits, then U.S. Bank should automatically waive your annual fees.

This is true whether you are active duty, guard, Reserve, or a military spouse. For guard and Reserve you usually need to be on 30+ day active duty orders.

This is a similar military credit card annual fee waiver benefit to the Chase MLA and American Express MLA benefit.

US Bank Credit Cards Military

In most cases, you will receive an MLA benefits letter in the mail before you even receive the card.

In some cases, the annual fee will post to your card account and then be credited back a few days later. This may be done with all Military Lending Act or Servicemember Civil Relief Act (SCRA) related benefits for accounting purposes.

Some cards that qualify for the U.S. Bank military fee waivers are:

U.S. Bank Altitude® Connect Visa Signature® Card
Learn how to apply on our partner's secure site

  • Intro Offer: Earn 50,000 bonus points when you spend $2,000 in eligible purchases within the first 120 days of account opening. That's a $500 value redeemable towards travel, gift cards, cash back, merchandise and more.
  • 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center.
  • 4X points on travel, gas stations, and EV charging stations.
  • 2X points on streaming services. Plus, a $30 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
  • 2X points at grocery stores, grocery delivery, and dining.
  • Receive up to $100 in statement credits for reimbursement toward your TSA PreCheck® or Global Entry® application fee once every four years.
  • 1X point on all other eligible purchases.
  • Points never expire.
  • Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
  • Terms and conditions apply.

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