Best Credit Cards for Military Members

There are lots of ways to support the men and women that work tirelessly to protect our freedom. One easy way can be found in credit card offers that support the military. Whether you are in the service, a veteran, or a family member, these credit cards are a great way to wave the stars and stripes.

best credit cards for military members

I’ve never had the honor of serving our country in the military. My son has. He’s a marine. From his first day at Parris Island and that 3 am call every Marine parent remembers, I can no longer watch a war movie with same sense of detachment, entertainment. It’s just too real. I know, perhaps second hand, the sacrifices our men and women in uniform make every single day. Their families make sacrifices, too.

So it seems strange to me to bring up military service in the context of credit cards. Yet finances for those in the armed services is critical. And some credit cards are better for military members than others. What follows are the best credit cards for military members in 2019.

USAA Credit Cards

USAA® Preferred Cash Rewards Visa Signature® Card

  • Cash Back: Earn 1.5% cash back on every purchase
  • Pay no annual fee, no penalty APR and no foreign transaction fees
  • USAA membership is available to active and former military and their eligible family members
  • Deployment/PCS rate: Get 4% APR on all balances for up to 12 months during deployment or PCS.
  • Security Benefits: Chip technology has added security and greater acceptance worldwide. Identity theft resolutions services provides assistance should you become the victim of identity theft.
  • Mobile App: Manage your account from your smartphone. Card works with APPLE PAY™, GOOGLE PAY™ AND SAMSUNG PAY.

USAA® Cashback Rewards Plus American Express Card

  • 5% Cash Back: Earn 5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined
  • 2% Cash Back: Earn 2% on your first $3,000 on supermarket purchases per year
  • 1% Cash Back: Unlimited 1% cash back on all other purchases
  • USAA membership is available to active and former military and their eligible family members
  • Deployment/PCS rate: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the variable Regular APR, currently between 14.15% to 28.15%, will apply. This rate will vary with the market based on the prime rate.
  • Security Benefits: Chip card technology has added security when used at a chip-enabled terminal and greater acceptance worldwide. You are not liable for unauthorized purchases. Get account balances and transaction history by sending a text message. Access your account on usaa.com or from a mobile device.
  • Mobile App: Manage your account from your smartphone. Card works with APPLE PAY™, GOOGLE PAY™ AND SAMSUNG PAY.

USAA® Rate Advantage Visa Platinum Card

  • No annual fee, no foreign transaction fees, no penalty APR
  • USAA membership is available to active and former military and their eligible family members
  • Deployment/PCS rate: Get 4% APR on all balances for up to 12 months during deployment or PCS.
  • Special 4% SCRA rate: When you have a balance on your account at the time you enter active military duty, get 4% APR on that existing balance until one year after you complete active duty.
  • Security Benefits: Chip card technology has added security when used at a chip-enabled terminal and greater acceptance worldwide. Zero liability coverage for unauthorized transactions if your card is lost or stolen. Collision damage waiver coverage pays for physical damage and theft to most rental vehicles. Get account balances and transaction history by sending a text message.
  • Access your account on usaa.com or from a mobile device.

PenFed Credit Union Credit Cards

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American Express Credit Cards

Amex will waive the annual fee on many of its cards for those that qualify under the Servicemembers Civil Relief Act (SCRA). You can enroll for the SCRA benefits at American Express here. For this reason, it often makes sense to apply for those Amex cards with the best rewards.

Here are some of the top offers:

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USMA Credit Card Offers

If you are a cadet, alumnus, or staff of the United States Military Academy (better known as West Point), you and your relatives are eligible for membership in Pentagon Federal Credit Union. As a member, you are eligible for the USMA credit card that supports the U.S. Military Academy. The USMA card is offered as both a Visa Gold and Visa Classic, both of which have no annual fee.

American Legion Auxiliary

With almost a million members, the American Legion Auxiliary administers volunteer programs, volunteers to help its communities and veterans, and raises millions of dollars to support its own programs as well as other worthwhile charities familiar to most Americans. Here’s how the Auxiliary describes its history and purpose:

The Auxiliary, organized in 1919 to assist The American Legion, is much more than the name implies. The organization has achieved its own unique identity while working side-by-side with the veterans who belong to The American Legion. Like the Legion, the Auxiliary’s interests have broadened to encompass the entire community.

The American Legion Auxiliary is the world’s largest women’s patriotic service organization. Through its nearly 10,500 units located in every state and some foreign countries, the Auxiliary embodies the spirit of America that has prevailed through war and peace. Along with The American Legion, it solidly stands behind America and her ideals.

For those looking to support the Auxiliary, USAA offers the American Legion Auxiliary credit card. The card has no annual fee and comes with a 0% introductory rate on balance transfers. Cardholders also earn WorldPoints redeemable for cash, travel rewards, gift certificates and more.

Ladies Auxiliary to the VFW: The Ladies Auxiliary serves an important role–to ensure that our veterans are not forgotten and that they are card for. The Ladies Auxiliary was founded in 1914, and since the war on terror began, care packages have been sent to troops in Iraq, Afghanistan, Kuwait, Qatar and other locations around the world. With nearly 600,000 members in the United States, Guam and Panama, the Ladies Auxiliary VFW actively supports our troops as well as veterans and their families.

The Ladies Auxiliary credit card allows cardholders to earn WorldPoint rewards and offers a 0% balance transfer feature. The card carries no annual fee and a reasonable interest rate on purchases.

Marine Corps Association: The Marine Corp Association (MCA) was formed at Guantanamo Bay, Cuba on April 25, 1913, by Marines of the 2d Provisional Brigade. The purpose of the MCA is to publish the history of the Marine Corps and disseminate “…information concerning the aims, purposes and deeds of the Corps, and the interchange of ideas for the betterment and improvement of its officers and men…”

You can show your support of the MCA with the Bank of America Marine Corp Association credit card. The card comes with standard Bank of American credit card terms, including a 0% introductory rate on balance transfers and the ability to earn WorldPoints redeemable for cash, travel rewards, and more. The card charges no annual fee.