menu
HomeCredit CardMilitary Credit CardsTop 10 Military Credit Cards

Top 10 Military Credit Cards

Military credit cards are financial products specifically designed for active-duty military personnel, veterans, and their families. These cards often come with unique benefits such as lower interest rates, no annual fees, and rewards programs tailored to the needs of military members.

Advertisement

One of the most notable features of military credit cards is their adherence to the Servicemembers Civil Relief Act (SCRA), which provides certain protections and benefits for active-duty members. For instance, under SCRA, interest rates on pre-existing debt are capped at 6% while on active duty. Additionally, military credit cards often offer special rewards programs that cater to the lifestyle of service members, such as travel and dining rewards, which can be particularly advantageous for those frequently on the move. Some cards also provide cash back on everyday purchases, making it easier for military families to manage their expenses. Moreover, these cards may include perks like travel insurance, purchase protection, and extended warranties, which add an extra layer of security and convenience. Overall, military credit cards aim to offer financial flexibility and peace of mind, recognizing the unique challenges faced by those who serve.

  • Navy Federal Credit Union cashRewards
    Navy Federal Credit Union cashRewards

    Navy Federal Credit Union cashRewards - Navy Federal cashRewards offers unlimited 1.5% cash back.

    View All
  • USAA Rewards Visa Signature
    USAA Rewards Visa Signature

    USAA Rewards Visa Signature - USAA Rewards Visa Signature: Earn rewards on purchases, military-friendly.

    View All
  • Navy Federal Credit Union Platinum
    Navy Federal Credit Union Platinum

    Navy Federal Credit Union Platinum - Low-interest credit card with no annual fees.

    View All
  • USAA Cashback Rewards Plus American Express
    USAA Cashback Rewards Plus American Express

    USAA Cashback Rewards Plus American Express - USAA Cashback Rewards Plus American Express offers high cashback.

    View All
  • PenFed Power Cash Rewards Visa Signature
    PenFed Power Cash Rewards Visa Signature

    PenFed Power Cash Rewards Visa Signature - Unlimited 2% cash back with PenFed membership.

    View All
  • Navy Federal Credit Union Flagship Rewards
    Navy Federal Credit Union Flagship Rewards

    Navy Federal Credit Union Flagship Rewards - Navy Federal's Flagship Rewards offers versatile travel and everyday rewards.

    View All
  • USAA Rate Advantage Visa Platinum
    USAA Rate Advantage Visa Platinum

    USAA Rate Advantage Visa Platinum - Low-interest, military-focused credit card from USAA.

    View All
  • PenFed Pathfinder Rewards American Express
    PenFed Pathfinder Rewards American Express

    PenFed Pathfinder Rewards American Express - PenFed Pathfinder Rewards American Express: travel perks, rewards, no foreign fees.

    View All
  • Navy Federal Credit Union More Rewards American Express
    Navy Federal Credit Union More Rewards American Express

    Navy Federal Credit Union More Rewards American Express - Rewards card with points on groceries, gas, dining, and more.

    View All

Top 10 Military Credit Cards

2.

USAA Rewards Visa Signature

less
The USAA Rewards Visa Signature is a credit card designed for military members and their families, offering a robust rewards program. Cardholders earn points on everyday purchases, including gas and dining, which can be redeemed for travel, gift cards, or cashback. It features no annual fee, competitive APR, and additional benefits like travel and purchase protections. This card is ideal for those seeking to maximize rewards while enjoying the trusted service of USAA.

Pros

  • pros No annual fee
  • pros Rewards on everyday purchases
  • pros Travel benefits
  • pros No foreign transaction fees
  • pros USAA member support.

Cons

  • cons Membership required
  • cons Limited reward categories
  • cons Average APR
  • cons No introductory APR
  • cons Reward redemption restrictions.
View All

4.

USAA Cashback Rewards Plus American Express

less
The USAA Cashback Rewards Plus American Express Credit Card offers robust rewards for military members and their families. It features 5% cash back on gas and military base purchases (up to $3,000 annually), 2% cash back on groceries (up to $3,000 annually), and 1% on all other purchases. With no annual fee, no foreign transaction fees, and additional benefits tailored for military lifestyles, it’s an excellent choice for those affiliated with the armed services looking for a versatile rewards card.

Pros

  • pros 5% cash back on gas
  • pros 2% cash back on groceries
  • pros no annual fee
  • pros military-focused benefits
  • pros strong customer service.

Cons

  • consLimited to military and families
  • cons not widely accepted as Visa/MasterCard
  • cons foreign transaction fees
  • cons average APR
  • cons rewards cap on categories.
View All

5.

PenFed Power Cash Rewards Visa Signature

less
The PenFed Power Cash Rewards Visa Signature is a versatile cash back credit card offering 2% cash back on all purchases for PenFed Honors Advantage members and 1.5% for others. It features a $100 bonus when you spend $1,500 in the first 90 days, no annual fee, and no foreign transaction fees. Ideal for everyday use, it also provides additional Visa Signature benefits, such as travel and purchase protections, and 24/7 concierge services.

Pros

  • pros - 1.5% cash back on all purchases
  • pros - No annual fee
  • pros - Sign-up bonus
  • pros - No foreign transaction fees
  • pros - Military benefits.

Cons

  • cons High credit score required
  • cons Balance transfer fee
  • cons No 0% introductory APR
  • cons Limited redemption options
  • cons No bonus categories.
View All

7.

USAA Rate Advantage Visa Platinum

less
The USAA Rate Advantage Visa Platinum Card is a credit card designed for military members and their families, offering competitive interest rates and low fees. It features no annual fee, no foreign transaction fees, and a variable APR that can be significantly lower than industry averages. Additionally, it provides benefits such as travel and emergency assistance, auto rental collision damage waiver, and extended warranty protection, making it a solid choice for those seeking affordability and value.

Pros

  • pros Low interest rates
  • pros No annual fee
  • pros No foreign transaction fees
  • pros Fraud protection
  • pros Strong customer service.

Cons

  • consLimited rewards program
  • cons Membership restrictions
  • cons Limited branch locations
  • cons No intro APR offers
  • cons Potential for high penalty APR.
View All

8.

PenFed Pathfinder Rewards American Express

less
The PenFed Pathfinder® Rewards American Express® Card is a versatile travel rewards credit card offering 3x points on travel and 1.5x points on all other purchases. For PenFed Honors Advantage Members, travel rewards increase to 4x points. Cardholders benefit from no annual fee for Honors Advantage Members, up to $100 annual airline incidental statement credit, and a $100 Global Entry or TSA PreCheck credit. It's an excellent choice for frequent travelers seeking valuable rewards and travel perks.

Pros

  • pros High rewards rate
  • pros No foreign transaction fees
  • pros Travel perks
  • pros Annual fee waived for select members
  • pros Generous sign-up bonus.

Cons

  • cons**Annual fee for non-qualifying members
  • cons Limited reward categories
  • cons Requires PenFed membership
  • cons High APR
  • cons American Express acceptance limitations.
View All

Similar Topic You Might Be Interested In