Top Credit Cards For Military Members
The best credit cards for military personnel provide unique rewards in recognition of their service. Because of the Servicemembers Civil Relief Act (SCRA), active-duty military service members and their families are eligible to receive special benefits like reduced interest rates and $0 foreign transaction fees.
See expert reviews and star ratings for the best credit cards with military benefits from our partners—you could get approved in minutes using our secure online application process.
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BEST FEATURED OFFER
- Rewards Rate N/A
- Intro BT APR 0% intro APR for 15 months on balance transfers, then 12.15% to 27.15% variable regular APR
- Eligibility Must be a USAA member, or become a member, to apply.
- Rates & Fees $0 annual fee, no penalty APR & no foreign transaction fee
- Credit Needed Good/Excellent
Highlights
- Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
- Intro Offer: Get a 0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. After this time, the variable regular APR of 12.15% to 27.15% will apply to introductory balances.
- A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
- Take advantage of USAA's lowest interest rate card, whether you’re making a purchase or transferring a balance.
- Pay less in interest if you carry a balance from month to month.
- Enjoy the same low variable regular APR on purchases, balance transfers, and cash advances.
- No annual fee.
- No foreign transaction fees.
- See Rates and Fees for details.
USAA Preferred Cash Rewards Credit Card
- Rewards Rate 1.5% cash back on purchases
- Rewards Rate 1.5% cash back on purchases
- Rewards Rate 1.5% cash back on purchases
- Eligibility Must be a USAA member, or become a member, to apply.
- Intro APR 0% intro APR on purchases for 15 months, then 17.15% - 31.15% variable regular APR
- Credit Needed Good/Excellent
Highlights
- Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
- Earn unlimited 1.5% cash back on purchases, no category restrictions, no caps on cash back.
- Intro Offer: Get a 0% intro APR for 15 months on purchases. After this time, the variable regular APR of 17.15% to 31.15% will apply to these introductory balances.
- A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
- No annual fee.
- Cash back rewards never expire.
- Redeem cash back your way, on your schedule.
- No foreign transaction fees.
- See Rates and Fees for details.
USAA Eagle Navigator™ Credit Card
- Rewards Rate 3X points on travel purchases, 2X points on everyday purchases
- Rewards Rate 3X points on travel purchases, 2X points on everyday purchases
- Sign-Up Bonus Earn 30,000 bonus points ($300 travel value) after spending $3,000 on qualifying purchases within 90 days of account opening.
- Eligibility Must be a USAA member, or become a member, to apply.
- Regular APRs 20.15% to 28.40% variable on purchases, balance transfers, and cash advances
- Credit Needed Good/Excellent
Highlights
- Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
- Intro Offer: Earn 30,000 bonus points ($300 travel value) after spending $3,000 on qualifying purchases within 90 days of account opening.
- 3X points on travel purchases - triple your points on tolls, rideshares, hotels, vacation rentals, flights and more.
- 2X points on everyday purchases - double your points on groceries, gas, dining, bills and more.
- Earn 10,000 Bonus Points every year - applies after you complete eligible hotel or car booking. That's equal to a $100 travel value.
- Up to $100 credit towards TSA PreCheck® or Global Entry® fee every four years.
- Enjoy valuable travel benefits and protection, including Auto Rental Coverage, Travel Accident Coverage, Trip Interruption Coverage, Baggage Delay Reimbursement, Purchase Security and Cell Phone Protection.
- Points never expire for the life of the account and there are no spend caps on point earning.
- Redeem points your way, on your schedule.
- No foreign transaction fees.
- A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
- $95 annual fee.
- See Rates and Fees for details.
- Terms and Restrictions apply. See the Guide to Benefits and Reward Terms and Conditions on USAA’s website for details.
*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.