First, thank you for your service or your family member’s service. If you’re still on active duty or will be soon you may be able to use the Servicemembers Civil Relief Act (SCRA) to get incredible credit card rewards at little to no cost. These include lower APRs on your debts before active duty and many, if not all, fees waived.
Below are the best credit cards for active duty service members and their families. Find the best card for you and apply today!
Citi® Diamond Preferred® Card
With one of the longest intro APRs available, the Citi® Diamond Preferred® Card is a top choice for military members or their families if you're looking save money with low interest rates. This market-leading offer comes with an intro APR of 0% for 18 months on Balance Transfers. There is also no annual fee and an intro APR of 0% for 18 months on Purchases.
That means you have almost two years to pay down your balance totally interest free. If you currently have a large balance on a credit card that is charging steep interest rates, the Citi® Diamond Preferred® Card could be the perfect card to help you finally escape those pesky interest charges. Apply today and enjoy a lengthy intro APR of 0% for 18 months on Balance Transfers!
Citi® Double Cash Card – 18 month BT offer
The Citi® Double Cash Card – 18 month BT offer is the only cash back card with an intro APR of 0% for 18 months on Balance Transfers AND it's the only card that allows you to earn cash back twice.
Military members who carry this card will earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.. There are no limits to how much cash back you can earn and your cash back won't expire. With these great perks, the Citi® Double Cash Card – 18 month BT offer is truly one of a kind.
This card is perfect option for any consumers who don't want to put any extra thought into their credit card rewards. There's no rotating categories and no special bonuses on certain spending. And with the top-tier intro APR on balance transfers you could save hundreds of dollars by escaping those pesky interest charges on your current credit card.
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express is a top-tier rewards card specifically designed for consumers who spend a lot of money on groceries and gas purchases. Cardholders receive 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more. 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
While this card does come with an annual fee of $95, members of the military may be eligible to get this fee waived as an SCRA benefit. In addition to the generous rewards rate, you can take advantage of a stellar Welcome Offer: Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. And to top it off, there is an intro APR of 0% on purchases for 12 months .
Chase Sapphire Reserve®
Packed with perks and rewards, the Chase Sapphire Reserve® is one of the most popular travel rewards credit cards on the market. For starters, this card comes with a stellar sign up bonus – earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. There is a $550 annual fee, but as a member of the military there's a possibility you could get that fee waived as an SCRA benefit.
Cardholders earn 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. One of the reasons people love this card is that it offers great flexibility with how you can redeem your points. No more worrying about blackout dates – instead, you can get 50% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel!
Capital One Venture Rewards Credit Card
Fed up with blackout dates and limited award availability with your travel credit card? The Capital One Venture Rewards Credit Card takes the hassle out of travel rewards with unlimited 2 Miles per dollar on every purchase, every day. That flexibility makes it a favorite for military members and their families – whether you're buying groceries or shopping online, you'll earn the same consistent rewards rate with every purchase. To make redeeming as easy as possible, you can use your miles as a statement credit towards virtually any travel purchase – any airline or hotel, and even services like Uber and Lyft qualify!
As a new cardholder you can earn a big one-time bonus of 60,000 Miles once you spend $3,000 on purchases within 3 months from account opening. You can also receive up to $100 application fee credit for Global Entry or TSA Pre✓®. There is an annual fee of $95, but as a military member you may be able to utilize your SCRA benefits to get that fee waived.