Best Military Credit Cards

Best Military Credit Cards of military families offer generous incentives, rates, and fees to all credit-grade applicants. They also provide military benefits, such as wage reductions and exemptions for active service personnel, beyond the requirements of the Service Personnel Civil Relief Act (SCRA). Existing soldiers, veterans and their families can also get the best military credit cards. In some cases, military academies and even ROTC members are eligible to participate. But just because credit cards have military connections does not mean that they are suitable for your needs. There are more Best Military Credit Cards to choose from than you think.

Best Military Credit Cards List

Discover it® Secured Credit Card

The Discover it Secured Credit Card is one of the better secured cards on the market. This card reports to all 3 credit bureaus, so as long as you use it responsibly it will help you improve your credit.You’ll get a great amount of cash back for a secured card, especially because Discover will double what you earn after your first year. There’s no annual fee, and you’ll be able to check your FICO® Credit Score any time you’d like to see how you’re improving.Insider Tip: Discover now offers a free credit monitoring service to anyone, even if you’re not a cardholder.

Capital One® QuicksilverOne® Cash Rewards Credit Card

The Capital One® QuicksilverOne® Cash Rewards Credit Card is designed for fair or average credit. It comes with a reward of 1.5% cash back, along with some decent extra benefits. But you’ll need to pay a $39 annual fee to use the QuicksilverOne.Pay your first 5 monthly payments on time to get access to a higher credit line, a pretty good feature to have.We picked this card as one of the Best Credit Cards for Fair Credit.

Citi® Diamond Preferred® Card

The Citi Diamond Preferred® Card is a solid credit card, offering an introductory APR of 0% for 21 months on balance transfers and 12 months on purchases. There are some fairly good benefits too. See how this card stacks up to a similar one in our comparison: The Citi Simplicity® Card vs. The Citi® Diamond Preferred® Card.

Hilton Honors Aspire Card

The Hilton Honors Aspire Card is very rewarding for its $450 annual fee. It’s designed for people who travel frequently every year, staying at Hilton properties when they do.Cardholders get 14X Hilton Honors Bonus Points per dollar at Hilton properties from this card. But it also comes with Diamond status with Hilton, which comes with another 20X Base Points per dollar at eligible properties. That means you can earn a ton of Hilton Honors points on that kind of spending, and there are other bonus reward categories as well.It also comes with a large introductory offer of 150,000 Hilton Honor Bonus points for spending $4,000 in the first 3 months.This card comes with quite a few great other perks too. A $100 Hilton credit is available for every eligible stay of 2 nights or more. There’s also a $250 annual Hilton Resort credit. And another $250 airline credit, for incidental (non-ticket) fees.There are two other Hilton credit cards, made for people who won’t spend as much:The Hilton Honors Ascend Card (Review): $95 annual fee, 12X Bonus Points per dollar at Hilton properties, Gold Hilton statusThe Hilton Honors Card: No annual fee, 7X Bonus Points per dollar at Hilton properties, Silver Hilton status

United MileagePlus® Club Card

The United MileagePlus Club Card offers a lot of incentives for anyone who flies United frequently.You’ll get 2X miles per dollar at United Airlines, and 1.5X miles per dollar for every other purchase. There’s also a signup offer of 50,000 bonus miles for spending $3,000 in the first 3 months after account opening.Cardholders get complimentary United Club membership, with free access for the primary cardholder and two guests. Free first and second checked bags are included, as well as other airline perks.This card has a $450 annual fee, and no foreign transaction fees.The United MileagePlus Club is one of our picks for the Best Airline Credit Cards.

Platinum Card® from American Express

The Platinum Card® from American Express is a luxury charge card, complete with perks and benefits fit for jet-setters.From complimentary airport lounge access, personal 24/7 concierge, and a laundry list of other rich benefits, the Platinum Card from American Express delivers on its rare metal namesake.

Hotel Credit Cards

Starwood Preferred Guest® Business Credit Card from American Express

  • Earn 2 Starpoints® for each dollar of eligible purchases at participating SPG® Marriott Rewards® hotels. Earn 1 Starpoint® for all other purchases.
  • Redeem Starpoints® for free nights at over 1,300 hotels & resorts in over 100 countries and for free flights on over 150 airlines with SPG Flights. Some hotels and resorts have mandatory service charges.
  • Free, unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • No Foreign Transaction Fees on international purchases and $0 introductory annual fee for the first year, then $95.

Hilton Honors™ Surpass® Card from American Express

  • Limited Time Offer: Earn 100,000 Hilton Honors Bonus Points after you spend $3,000 in purchases with your new Card within the first 3 months of Card Membership.
  • Plus, earn a free weekend night award after your first anniversary of Card Membership. Offer expires on 10/4/2017.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
  • Terms Apply.
  • View Rates and Fees

Hilton Honors™ Card from American Express

  • Limited Time Offer: Earn 50,000 Hilton Honors Bonus Points after you spend $1,000 in purchases with your new Card within the first 3 months of Card Membership.
  • Plus, earn an additional 25,000?Bonus Points after you make an additional $1,000?in purchases with your new Card within your first 6?months. Offer expires on 10/4/2017.
  • Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating hotel or resort within the Hilton Portfolio.
  • Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Spend $20,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Gold status through the end of the next calendar year.
  • Terms Apply.
  • View Rates and Fees

IHG® Rewards Club Select Credit Card

  • Earn 80,000 bonus points after spending $1,000 on purchases within the first three months of account opening
  • Enjoy a Free Night after each account anniversary year at over 5,200 hotels worldwide
  • Earn 5 points per $1 spent when you stay at an IHG hotel
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants
  • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental® Hotels & Resorts, Crowne Plaza® Hotels & Resorts and Holiday Inn®
  • Platinum Elite status as long as you're a Select credit cardmember
  • Automatic 10% points rebate on redemptions
  • $0 Introductory Annual Fee for the first year, then $49 a year

Citi® Hilton HHonors™ Reserve Card

Earn bonus points good for free hotel stays and merchandise when you use the Citi® Hilton HHonors™ Reserve Card towards hotels within the Hilton Portfolio, airline and car rental purchases, and all other purchases.Citi offers a version of this card with less rewards, the Citi® Hilton HHonors™ Visa Signature® Card.

What Are Military Credit Cards

Military credit cards are provided by a small number of financial institutions. Normally, military personnel, their immediate relatives, and sometimes others, such as U.S. government employees, are eligible to carry one of these cards. Military cards usually have superior functions, such as no annual fee, and sometimes no fee at all, such as PenFed PromiseVisa. In addition, military cards usually have lower variable APRs, such as PenFed GoldVisa cards, with incredible 8.99% - 17.99% - even cash advances, which are unheard of. Many military cards offer registration bonuses and continuing incentives for everyday categories, such as groceries and gasoline, and travel. Even if you choose a bank that does not specialize in serving military personnel, some financial institutions will offer special discounts to, members, including free fees and lower rates.

How To Pick Best Military Credit Cards

1. Suitable for your lifestyle: You need a card that meets your consumption and general habits; travel cards are suitable for people who like to travel, etc.

2. Not just the benefits of SCRA: All credit card issuers must comply with SCRA terms, but some companies will provide better terms

3. No annual fee: Some card issuers will exempt from annual fees as part of SCRA benefits, even for very expensive cards.

4. Reward: I'm glad to have a card that can provide you with points or cash returns for your regular purchases.

5. The Privileges and Benefits of Cards: More Extra Functions Make Shopping and Travel easier and cheaper, the more the better

6. 0% Introductory APR: If you are looking for a card to pay for purchases or balance transfers over a period of time, you need a 0% Introductory Card.

7. No foreign transaction costs: You do not need to pay extra fees when you are on duty outside the United States

How To Use Military Credit Cards

1. Know your credit score. Your credit score will affect many aspects of you. A solid credit score is absolutely essential for renting an apartment, buying a car or a house without paying thousands of dollars in additional interest. There are many ways to improve and reduce your credit score.

2. Don't miss the payment. The fastest way to crush credit scores is to miss payments. In addition to damaging your credit score, missed payments can be very expensive. First, most credit card issuers charge a late fee of $25 to $35, which will remain in your credit record for many years. In order to avoid this situation, please set up settlement when automatic payment is made.

3. Pay your balance in full. Credit cards are not free. Just because your card has a $20,000 limit doesn't mean that you spend $20,000 without having to pay it back quickly. Reward credit cards usually carry high interest rates, so the interest generated by your unpaid balance will absolutely offset the value of any points or miles you receive.

Should You Get Best Military Credit Cards

Without self-service, few civilians can imagine typical days for members of the U.S. military. Just as the daily life of service members is very different from that of civilian consumers, their economic needs can also be very different. For some service providers, the answer is to choose a financial institution that specifically serves them and to prioritize the specific needs of military personnel. But for others, the extra benefits and incentives offered by some of the best consumer credit cards are too large to be limited to military-centric banks and credit cooperatives. Whatever way you choose to find the right credit card, be sure to pay the minimum amount required on time at least every month to establish a positive payment record. Even if you do not intend to use credit during your service, getting a healthy credit score when you leave the army can open many doors in the civilian world.

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Best Military Credit Cards Tips

  1. If you want to know your Best Military Credit Cards payment details, like your credit card balance. Please contact the Best Military Credit Cards customer service or get a Best Military Credit Cards application.
  2. In order to manage your Best Military Credit Cards payment online, you need to log in to the Best Military Credit Cards official website.
  3. About Best Military Credit Cards login and how to apply for a Best Military Credit Cards, you need to go to the official website.
  4. Getting a Best Military Credit Cards application will be a lot of convenience, contact the Best Military Credit Cards customer service or go to the Best Military Credit Cards official website to know more details.
  5. Want to know some products discounts or rewards programs? Make sure your Best Military Credit Cards phone numbers is correct, there will be text alerts.

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