10 Best Military Credit Cards
Military Credit Cards are specialized financial tools designed to cater to the unique needs of service members, veterans, and their families. These cards often come with features such as reduced interest rates, waived fees, and enhanced rewards. Many of these cards also provide perks that make managing finances easier while on deployment or during military service. For example, some cards offer discounts on travel expenses, cashback on everyday purchases, or comprehensive travel insurance.
One of the primary benefits of Military Credit Cards is the ability to save money through lower fees and interest rates, often with no annual fee for active-duty members. Furthermore, these cards typically offer military-specific rewards such as higher cashback percentages or travel miles for spending on essentials. Whether you need a card for everyday purchases, travel, or building credit, there are options that provide exceptional value for military members. Below, we've rounded up the 10 best Military Credit Cards to help you make an informed decision based on your financial needs and lifestyle.
1.
Chase Sapphire Preferred Card
Sign-Up Bonus: Large bonus offer for new cardholders who meet the spending requirement.
Travel Protection: Includes trip cancellation/interruption insurance, baggage delay, and primary car rental insurance.
Point Redemption Flexibility: Use points for travel through the Chase Ultimate Rewards® program, which provides extra value when booking flights and hotels.
No Foreign Transaction Fees: Ideal for international travelers.
- Chase Sapphire Preferred CardCheck Here
Chase Sapphire Preferred Card - - Offers excellent travel rewards with no annual fee for active-duty service members, along with 2X points on travel and dining.
Pros
- Great value for travel and dining purchases
- Strong sign-up bonus
- Comprehensive travel insurance benefits
Cons
- Requires good credit for approval
- Lower rewards rate compared to premium cards
- Annual fee applies
Key Features
Travel protections
Flexible points redemption with Chase Ultimate Rewards®
Why Is Recommended
2.
American Express® Platinum Card for Military
- American Express® Platinum Card for MilitaryCheck Here
American Express® Platinum Card for Military - - This card provides a wealth of travel benefits, including access to airport lounges, 5X points on flights, and comprehensive travel insurance coverage.
3.
US Bank Altitude® Reserve Visa Infinite® Card
- US Bank Altitude® Reserve Visa Infinite® CardCheck Here
US Bank Altitude® Reserve Visa Infinite® Card - - A top-tier travel rewards card that provides 3X points on travel and mobile wallet purchases, along with a military fee waiver.
4.
Capital One QuicksilverOne Cash Rewards Credit Card
- Capital One QuicksilverOne Cash Rewards Credit CardCheck Here
Capital One QuicksilverOne Cash Rewards Credit Card - - Offers 1.5% cashback on every purchase, with no annual fee. Ideal for individuals with bad credit looking to earn rewards while rebuilding their credit.
5.
USAA® Cashback Rewards Plus American Express® Card
No Annual Fee: No fee to hold the card.
Intro APR: 0% introductory APR on purchases and balance transfers for the first 12 months.
- USAA® Cashback Rewards Plus American Express® CardCheck Here
USAA® Cashback Rewards Plus American Express® Card - - This card offers great cash-back options, including 5% cash back on the first $3,000 in gas purchases each year, and no annual fee.
Pros
- High cashback rates for gas and groceries.
- 0% intro APR for the first 12 months.
- No annual fee.
Cons
- Limited to specific categories for bonus rewards.
- Requires USAA membership.
Key Features
APR: 19.90% variable, 0% for first 12 months on purchases.
Annual Fee: $0.
Why Is Recommended
6.
Discover it® Miles for Military
- Discover it® Miles for MilitaryCheck Here
Discover it® Miles for Military - - Earn unlimited 1.5 miles on every purchase and get matched miles at the end of the first year. Great for military members who travel frequently.
7.
Bank of America® Travel Rewards Credit Card for Military
- Bank of America® Travel Rewards Credit Card for MilitaryCheck Here
Bank of America® Travel Rewards Credit Card for Military - - This card offers unlimited 1.5 points per dollar spent on all purchases and has no foreign transaction fees, perfect for military personnel overseas.
8.
American Express® Blue Cash Preferred® Card for Military
- American Express® Blue Cash Preferred® Card for MilitaryCheck Here
American Express® Blue Cash Preferred® Card for Military - - Offers high cash-back rates on US supermarket purchases and gas, plus 6% back on select streaming services, all with no annual fee for active -duty military members.
9.
Citi® Double Cash Card for Military
- Citi® Double Cash Card for MilitaryCheck Here
Citi® Double Cash Card for Military - - This card offers 2% cash back on every purchase—1% when you buy, and 1% when you pay. No annual fee for active-duty members .
10.
Barclaycard Arrival® Plus World Elite Mastercard® for Military
- Barclaycard Arrival® Plus World Elite Mastercard® for MilitaryCheck Here
Barclaycard Arrival® Plus World Elite Mastercard® for Military - - Earn double miles on every purchase with this card, and enjoy a 0% intro APR for the first 12 months, plus no annual fee for active -duty members.
Conclusion
Choosing the best Military Credit Card ultimately depends on your personal financial goals and spending habits. Whether you're looking for high rewards on travel, cashback for everyday expenses, or cards with no foreign transaction fees for overseas travel, there are options that cater to every need. The Chase Sapphire Preferred® Card and the American Express® Platinum Card for Military are top choices for those seeking premium travel benefits, while USAA® Cashback Rewards Plus American Express® Card is great for simple cash-back rewards. Ultimately, the right card will help you maximize your financial benefits while serving your country.