Military Credit Cards

If you're a member of the military, you're no stranger to making sacrifices and doing demanding jobs. You signed up to put the needs of others before your own. You constantly face unique challenges and continuously learn from them. Your life is complex in ways that many people can't even begin to imagine – and your personal finances are no exception

Fortunately, there are unique financial benefits available to military members. You may already be familiar with some of the benefits you're entitled to as an active duty military member thanks to the Servicemembers Civil Relief Act (SCRA), such as a 6% APR cap on credit card debt that was incurred before your military service began. Because the SCRA is a federal law, you are entitled to these benefits with any credit card, but it won’t happen automatically – you’ll have to contact the bank and provide them with a copy of your active duty orders in order to prove your eligibility.

But the SCRA isn't the only financial benefit available to those serving in the armed forces. Many banks are happy to show their appreciation by providing additional perks to military cardholders. They often offer waived annual fees, late fees, or foreign transaction fees. Although the SCRA’s interest rate cap applies only to debt accumulated prior to military service, a lot of banks offer extremely low interest rates for the entire time that you’re on active duty – some of them even go as low 0% APR! Making interest-free purchases is a huge advantage. Some credit cards also kick the benefits up another notch while you’re deployed by reducing interest rates further or even waiving minimum payment requirements. If your current credit card is only giving you the 6% APR required by the SCRA, it’s a good idea to reduce interest costs even further with a balance transfer to a card that offers an even better rate to military members. The card offers listed on this page can help simplify your finances and cut down on interest and fees.

See offers from our partners below.

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 APPLY ONLINE

at USAA Savings's
secure site

Credit Needed
Good/Excellent
  • Earn 1.5% cash back on every purchase
  • There's no limit on the amount you can earn
 APPLY NOW

at USAA Savings's
secure site

Credit Needed
Good/Excellent
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    12.90%-26.90% (Variable)
    Annual Fee
    $0
    Credit Needed
    Good/Excellent
 APPLY ONLINE

at USAA Savings's
secure site

Credit Needed
Good/Excellent
  • Earn 2.5% cash back on credit card purchases when you have a free* USAA Bank checking account with a qualifying direct deposit of at least $1,000 every month.*
  • Enjoy unlimited cash back on the amount you can earn.
 APPLY NOW

at USAA Savings's
secure site

Credit Needed
Good/Excellent
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    14.90%-20.90% (Variable)
    Annual Fee
    $0
    Credit Needed
    Good/Excellent
 APPLY ONLINE

at USAA Savings's
secure site

Credit Needed
Good/Excellent
  • Earn one point for every dollar spent on your everyday purchases.
  • Earn 2X points per dollar on gas and groceries with no caps.
 APPLY NOW

at USAA Savings's
secure site

Credit Needed
Good/Excellent
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    10.90%-26.90% (Variable)
    Annual Fee
    $0
    Credit Needed
    Good/Excellent
 APPLY ONLINE

at USAA Savings's
secure site

Credit Needed
Bad Credit
  • Best for members rebuilding or establishing credit.
  • Determine your own credit limit ($250 to $5,000) with an interest-earning CD.
 APPLY NOW

at USAA Savings's
secure site

Credit Needed
Bad Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    10.90%-20.90% (Variable)
    Annual Fee
    $35
    Credit Needed
    Bad Credit
 APPLY ONLINE

at USAA Savings's
secure site

Credit Needed
Bad Credit
  • Best for members rebuilding or establishing credit.
  • Determine your own credit limit ($250 to $5,000) with an interest-earning CD.
 APPLY NOW

at USAA Savings's
secure site

Credit Needed
Bad Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    10.90%-20.90% (Variable)
    Annual Fee
    $35
    Credit Needed
    Bad Credit
 APPLY ONLINE

at USAA Savings's
secure site

Credit Needed
Bad Credit
  • Earn up to 2.25% cash back on gas and grocery purchases.
  • Earn up to 1.25% cash back on everyday purchases.
 APPLY NOW

at USAA Savings's
secure site

Credit Needed
Bad Credit
  • Purchases Intro APR
    N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    10.90%-20.90% (Variable)
    Annual Fee
    $35
    Credit Needed
    Bad Credit
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