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Best Military Credit Cards

The best credit cards for military families offer great rewards, rates and fees for applicants of all credit levels. They also provide military benefits – such as reduced rates and waived fees for active-duty personnel – beyond what’s required by the Servicemembers Civil Relief Act (SCRA). The best credit cards for the military are also available to current military members, veterans and their family. In some cases, cadets at military academies and even ROTC members are eligible, too. But just because a credit card has military ties does not mean it’s the right credit card for your needs. There are more military credit cards to choose from than you might think. And some non-military credit cards offer really attractive terms to everyone.

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

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.

Citi® Hilton HHonors™ Visa Signature® Card

The Citi® Hilton HHonors™ Visa Signature® Card offers rewards for spending money at Hiltons, and on everyday purchases at the gas station, grocery and drug stores.For a Citi Hilton card that offers bigger rewards check out the Citi® Hilton HHonors™ Reserve Card.

What is SCRA?

The Servicemembers Civil Relief Act (SCRA) provides credit benefits to men and women who are entering, called into active duty, or deployed in the military. It puts restrictions on how much credit card issuers can charge you in interest and fees, as well as on the terms they can hold you to if you’re an active duty service member.

Creditors have to follow these mandates by law, but many of them will up the ante and offer you benefits beyond those required by the SCRA, including some of the cards listed below.

If you’re an active duty servicemember, I highly suggest you read all about SCRA and how it impacts you before making any type of financial decisions.

What’s the difference between military credit cards and low-interest credit cards?

Military credit cards will offer military-specific perks — such as $0 foreign transaction fees and lower-than-average APR for active duty members — whereas the best low-interest credit cards offer super-low or 0% interest for a fixed period of time. While low-interest credits cards may have better interest rates, they are usually only for 12 to 18 months. Some low-interest cards also come with the opportunity to earn cash back. With one of the best military credit cards, you’ll have a low interest rate for everyday purchases and then an even lower rate during active duty. You’ll also get more military-specific perks, such as no late fees, $0 foreign transaction fees, miles that don’t expire, and cash back programs that include your base’s commissary or post exchange.

Selection criteria: what makes a great military credit card?

Whether you're considering a USAA military-specific card or not, look for the following features when you're shopping around for a credit card.

  • Fits your lifestyle: you want a card that matches your spending and general habits; travel cards are for people who like to travel, etc.
  • More than SCRA benefits: all credit card issuers must abide by the terms of the SCRA, but some companies will provide even better terms
  • No annual fee: some card issuers will waive the annual fee as part of their SCRA benefits, even for very expensive cards
  • Rewards: it's great to have a card that will provide points or cash back for purchases you make quite often
  • Card perks and benefits: the more extra features to make shopping and traveling easier and cheaper, the better
  • 0% introductory APRs: if you're looking for a card to pay off purchases over time or for a balance transfer, you'll want a card with a 0% intro APR
  • No foreign transaction fees: you don't want pay extra when you use your card while on duty outside the U.S.

How to choose the right military credit card?

There are several military credit cards out there that offer special perks and rewards to members of the Armed Forces. The trick is to take a look at your spending, personal preferences, and credit score to determine which one is best for you.

Compare these and other credit cards to make sure you’re getting the best offer that you qualify for.

Natasha Rachel Smith, personal finance expert at TopCashback, recommends looking specifically at each card’s fees, rewards, and APR. “Don’t be tempted by credit cards promotions that might end up costing you more in fees than you get in return,” she says. “Reward programs are a great added bonus, so take advantage of them by ensuring the rewards are easily earned and redeemed.”

As you do your due diligence, you’ll be in a much better position to get long-term value out of your new credit card. Also, remember that this likely won’t be your card forever. As your spending habits, personal preferences, and credit score changes, you may have opportunities, later on, to apply for credit cards that are better suited to your needs as they change.

Bottom line

While on active military duty, you won’t need to worry about APRs higher than 6% on any credit card debt you were carrying before you started military service, so you can focus instead on choosing a credit card that’s best for you.

And whether you’re in the market for a new card or not, you should make sure to check with your current credit card issuers to see if they offer any special benefits to service members.

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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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