The 7+ Best Credit Cards for Military Veterans [2026]

If you have served or are currently serving in the U.S. military, you may be familiar with the Servicemembers Civil Relief Act (SCRA). The act, passed in 2003, included several financial protections for active military members.

One such protection is a cap on interest rates that can be charged to military members. With these protections in place, it’s easy to determine the best credit cards while on active military duty (spoiler alert, Amex cards are the most generous). Unfortunately, the act’s benefits disappear after 12 to 15 months of leaving duty, at which time credit card selection could then become more difficult.

During this transition, veterans may be wondering which credit cards still offer benefits they can use while keeping the cost of using credit under control.

Today, we’re taking a look at some of the best credit card options available to veterans, discussing the associated benefits, then looking at alternative card options that might be an equally appropriate fit.

Let’s get started.

The Value of Military Financial Organizations

Chances are, during your term of service, you joined a financial institution that catered to the specific needs of military members and their families.

Such financial institutions have experience dealing with the unique circumstances of military duty. The organizations specialize in offering services that active military members need, such as online access, locations on base, the ability to deal with deployments and reassignments, international access, and more.

Even when you leave active duty, these institutions can still offer services that add value to you as a veteran.

Here are some of the most popular military financial organizations and some of their services offered to veterans:

• USAA — personal loans, credit cards, insurance, retirement, and investment options and advice
• Pentagon Federal Credit Union (PenFed) — banking accounts, mortgages, credit cards, student loans, home equity, and retirement options
• Navy Federal Credit Union (NFCU) — banking accounts, CDs, individual retirement accounts, personal loans, credit cards, and mortgages

Bottom Line: Veterans are still welcomed as members of military financial organizations and can benefit from the products and services offered by these institutions. 

Credit Cards Offered by Military Financial Organizations

You don’t have to be an active military member to qualify for the credit cards offered by the aforementioned financial organizations. Let’s look at a sampling of credit card options available to veterans via these institutions and the benefits you can expect.

Credit Cards Offered by Military Financial Organizations — Overview

USAA (United Services Automobile Association)

USAA is known as a leading insurer of military members. The organization also offers a complete line of financial products, including credit cards, real estate financing, banking, retirement and investment products, and personal loans.

Joining USAA is free, and veterans qualify for membership.

Here are just 3 of several credit card products offered by USAA:

USAA Eagle Navigator^® Visa Signature^® Credit Card

USAA Eagle Navigator^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The USAA Eagle Navigator^® Credit Card earns 3x on travel purchases, including tolls, rideshares, hotels, vacation rentals, flights, and more!

USAA Eagle Navigator^® Credit Card

The USAA Eagle Navigator^® Credit Card earns 3x on travel purchases, including tolls, rideshares, hotels, vacation rentals, flights, and more!

Welcome Offer

Earn 30,000 bonus points ($300 travel value) after spending $3,000 on qualifying purchases within 90 days of account opening.

30,000 points

Annual Fee

$95

APR

18.90% to 27.15% variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent (670-850)

Why We Like This Card

The USAA Eagle Navigator^® Credit Card is well-suited for USAA members who travel frequently and want a card that will reward them for these purchases.

Pros & Cons

Pros

• 3x points on travel and transit purchases
• 2x points on all other purchases
• Global Entry/TSA PreCheck credit

Cons

• Annual fee of $95
• Points are not transferable

Read Full Review

Card Highlights

• Must be a USAA® member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
• Intro Offer: Earn 30,000 bonus points ($300 travel value) after spending $3,000 on qualifying purchases within 90 days of account opening.
• 3X points on travel purchases – triple your points on tolls, rideshares, hotels, vacation rentals, flights and more.
• 2X points on everyday purchases – double your points on groceries, gas, dining, bills and more.
• Earn 10,000 bonus points every year – applies after you complete eligible hotel or car booking. That’s equal to a $100 travel value.
• Up to $120 credit towards TSA PreCheck® or Global Entry® fee every four years.
• Enjoy valuable travel benefits and protection, including Auto Rental Coverage, Travel Accident Coverage, Trip Interruption Coverage, Baggage Delay Reimbursement, Purchase Security and Cell Phone Protection.
• No foreign transaction fees.
• Points never expire for the life of the account and there are no spend caps on point earning.
• Redeem points your way, on your schedule.
• A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
• 18.90% to 27.15% variable regular APR.
• $95 annual fee.
• See Rates and Fees for details.
• Terms and Restrictions apply. See the Guide to Benefits and Reward Terms and Conditions on USAA’s website for details.

Financial Snapshot

• APR: 18.90% to 27.15% variable
• Foreign Transaction Fees: None

• 3x points on travel purchases, including tolls, rideshares, hotels, vacation rentals, and flights
• 2x points on everyday purchases like groceries, gas, dining, and bills
• Earn 10,000 bonus points every year after you complete an eligible hotel or car booking
• Up to $120 application fee credit towards TSA PreCheck or Global Entry fee every 4 years
• No foreign transaction fees

USAA Preferred Cash Rewards Visa Signature^® Credit Card

Terms Apply / Rates & Fees

USAA Preferred Cash Rewards Visa Signature^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The USAA Preferred Cash Rewards Credit Card offers unlimited 1.5% cash-back, easy to redeem rewards, and a good intro offer reward bonus.

Apply Now(at USAA's secure site. Must be a USAA member, or become a member, to apply.)

USAA Preferred Cash Rewards Visa Signature^® Credit Card

The USAA Preferred Cash Rewards Credit Card offers unlimited 1.5% cash-back, easy to redeem rewards, and a good intro offer reward bonus.

Welcome Offer

Intro Offer: Earn a $250 reward bonus after spending $1,000 on qualifying purchases within 90 days of account opening.

$250 Reward Bonus

Annual Fee

$0

APR

15.40% to 27.40% variable regular

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The USAA Preferred Cash Rewards Credit Card is a great option for USAA members who want a card that will help them earn cash-back on their daily expenses with $0 annual fees.

Pros & Cons

Pros

• Intro Offer: Earn a $250 reward bonus after spending $1,000 on qualifying purchases within 90 days of account opening
• $0 annual fee and no foreign transaction fees
• Auto rental collision damage waiver

Cons

• Doesn’t offer bonus categories to earn more cash-back on certain purchases
• Doesn’t earn transferable rewards

Read Full Review

Card Highlights

• Must be a USAA^® member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
• Intro Offer: Earn a $250 reward bonus after spending $1,000 on qualifying purchases within 90 days of account opening.
• Earn unlimited 1.5% cash back on purchases, no category restrictions and no caps.
• No annual fee.
• Cash back rewards never expire.
• Redeem cash back your way, on your schedule.
• No foreign transaction fees.
• A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
• 15.40% to 27.40% variable regular APR.
• Terms and Restrictions apply. See the Reward Terms and Conditions on USAA’s website for details.
• See Rates and Fees for details.

Financial Snapshot

• APR: 15.40% to 27.40% variable regular
• Foreign Transaction Fees: None

• Unlimited 1.5% cash-back on purchases without category restriction or caps on cash-back
• No foreign transaction fees (rates & fees)
• Automobile Insurance Deductible Reimbursement: Receive up to $200 of your auto policy deductible in a covered loss if you have made at least 8 purchases on your card in the month prior to the loss. There is a limit of 1 claim per 12-month period, and the vehicle must be registered and insured to you or a family member on the auto policy.

USAA Rate Advantage Credit Card

Terms Apply / Rates & Fees

USAA Rate Advantage Visa^® Platinum Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The USAA Rate Advantage Credit Card offers no annual fee, a low intro APR, along with solid travel and purchase protections.

Apply Now(at USAA's secure site. Must be a USAA member, or become a member, to apply.)

USAA Rate Advantage Visa^® Platinum Credit Card

The USAA Rate Advantage Credit Card offers no annual fee, a low intro APR, along with solid travel and purchase protections.

Welcome Offer

Intro Offer: Get a 0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. After this time, the variable regular APR of 10.40% to 24.40% will apply to introductory balances.

Low intro APR for 15 months

Annual Fee

$0

APR

10.40% to 24.40% variable regular APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The USAA Rate Advantage Credit Card is a good option for USAA members who are looking for a $0-annual-fee credit card with a low intro APR offer.

Pros & Cons

Pros

• 0% intro APR for 15 months on balance transfers and convenience checks that post to your account within 90 days of account opening, then a variable regular APR of 10.40% to 24.40% applies.
• $0 annual fee
• Baggage delay reimbursement

Cons

• Does not earn rewards

Read Full Review

Card Highlights

• Must be a USAA^® member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
• Intro Offer: Get a 0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. After this time, the variable regular APR of 10.40% to 24.40% will apply to introductory balances.
• A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies. If you transfer a balance or write a convenience check to take advantage of the introductory rate offer, you will immediately incur interest on purchases until you pay your balance in full, including any transferred balances.
• No annual fee.
• No foreign transaction fees.
• 10.40% to 24.40% variable regular APR.
• See Rates and Fees for details.

Financial Snapshot

• APR: 10.40% to 24.40% variable regular APR
• Foreign Transaction Fees: None

• 0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. Then, the variable regular APR of 10.40% to 24.40% will apply (rates & fees)
• $0 annual fee (rates & fees)
• No foreign transaction fees (rates & fees)

Bottom Line: USAA specializes in offering insurance products to U.S. military members, veterans, and their families. Even widows or widowers of members or veterans qualify for membership and have access to the USAA product portfolio, which includes several credit card options. 

Navy Federal Credit Union (NFCU)

Navy Federal Credit Union is a member-owned, not-for-profit institution that has over 11 million members. Veterans are welcome to join and take advantage of several offered services. Veterans are also eligible to apply for any of the organization’s offered credit cards.

Here are 3 of its most popular:

Navy Federal More Rewards American Express^® Card

Navy Federal More Rewards American Express^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Navy Federal More Rewards card is a great everyday spending earning card: 3x points at supermarkets, on gas and transit, at restaurants, plus 1x points on everything else.

Navy Federal More Rewards American Express^® Card

The Navy Federal More Rewards card is a great everyday spending earning card: 3x points at supermarkets, on gas and transit, at restaurants, plus 1x points on everything else.

Welcome Offer

You can earn 20k bonus points (a $200 value) when you spend $2,000 within 90 days of account opening. Offer valid for accounts applied for between 1/2/26 - 6/30/26.

20,000 bonus points

Annual Fee

$0

APR

14.15% - 18.00% Variable

Why We Like This Card

We like the Navy Federal More Rewards American Express^® Card because it offers 3x points on groceries, gas, transit, and restaurants (plus food delivery), with no annual fee or foreign transaction fees. Additionally, it is available to Navy Federal Credit Union members, making it an excellent option for veterans to maximize rewards on everyday spending.

Pros & Cons

Pros

• No annual fee
• 3x points at restaurants (and food delivery)
• 3x points at supermarkets

Cons

• You must be a Navy Federal Credit Union member to be eligible
• No 0% intro APR available on purchases

Read Full Review

Card Highlights

• You can earn 20k bonus points (a $200 value) when you spend $2,000 within 90 days of account opening. Offer valid for accounts applied for between 1/2/26 – 6/30/26.
  
• Earn 3 points for every $1 of net purchases made for gas, transit, restaurants, food delivery, and at supermarkets
• Earn 1 point for every $1 of other net purchases.
• Rewards are earned on eligible net purchases.
• No limit on rewards.
• Points can be redeemed for cash, travel, gift cards, and merchandise.

Financial Snapshot

• APR: 14.15% - 18.00% Variable
• Foreign Transaction Fees: None

• You can earn 20k bonus points (a $200 value) when you spend $2,000 within 90 days of account opening. Offer valid for accounts applied for between 1/2/26 - 6/30/26.
• $0 annual fee
• 3x points on gas, restaurants, supermarkets, and transit
• 1x points on all other purchases
• Redeem points for cash, travel, gift cards, and merchandise
• Secondary car rental insurance
• Terms apply

Navy Federal Credit Union Visa Signature^® Flagship Rewards Card

Terms Apply / Rates & Fees

Visa Signature^® Flagship Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Visa Signature Flagship Rewards Credit Card was made for the traveler in mind. Earn big on travel - not just flights and hotels.

Apply Now(at NFCU's secure site)

Visa Signature^® Flagship Rewards Credit Card

The Visa Signature Flagship Rewards Credit Card was made for the traveler in mind. Earn big on travel - not just flights and hotels.

Welcome Offer

You can earn 35k bonus points (a $350 value) when you spend $3,500 within the first 90 days of opening. Plus, get a FREE Amazon Prime^® membership ($139 value, annually). Offer valid for accounts applied for between 1/2/26 - 6/30/26.

35,000 points

Annual Fee

$49

APR

14.74% - 18.00% Variable

Why We Like This Card

The Visa Signature^® Flagship Rewards Credit Card has a handful of perks usually found on more expensive cards, all for a low annual fee of  $49.

This card offers a lucrative welcome bonus that more than offsets its cost. Plus, it includes a variety of travel-friendly features. For budget-conscious travelers seeking flexibility and value, this card is an excellent choice.

Pros & Cons

Pros

• Generous welcome bonus offer
• 3 points per dollar spent on travel purchases
• Flexibility with using rewards

Cons

• Charges an annual fee
• Must be an NFCU member to apply

Read Full Review

Card Highlights

• You can earn 35k bonus points (a $350 value) when you spend $3,500 within the first 90 days of opening. Plus, get a FREE Amazon Prime^® membership ($139 value, annually). Offer valid for accounts applied for between 1/2/26 – 6/30/26.
  
• Earn 3 points for every $1 of net purchases made for travel
• Earn 2 points for every $1 of other net purchases.
• Rewards are earned on eligible net purchases
• No balance transfer fees, no foreign transaction fees, no cash advance fees.
• Receive statement credits (up to $120) for Global Entry or TSA PreCheck^®.
• No rewards limit or expiration.
• Enjoy a free Amazon Prime^® annual membership valued at $139.

Financial Snapshot

• APR: 14.74% - 18.00% Variable
• Foreign Transaction Fees: None

• You can earn 35k bonus points (a $350 value) when you spend $3,500 within the first 90 days of opening. Plus, get a FREE Amazon Prime^® membership ($139 value, annually). Offer valid for accounts applied for between 1/2/26 - 6/30/26.
• Low $49 annual fee
• 1 complimentary year of Amazon Prime from card approval date
• 3x points for travel purchases
• 2x points for all other purchases
• Global Entry or TSA PreCheck credit
• Visa Signature benefits such as cell phone protection and extended warranty
• Terms apply

cashRewards Credit Card

Terms Apply / Rates & Fees

cashRewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The cashRewards Credit Card offers no annual fee, 1.5% cashRewards on all purchases, and no limit to your rewards.

Apply Now(at NFCU's secure site)

cashRewards Credit Card

The cashRewards Credit Card offers no annual fee, 1.5% cashRewards on all purchases, and no limit to your rewards.

Welcome Offer

You can earn $250 cash back when you spend $2,500 within 90 days of account opening, plus new cardholders can get a 1.99% intro APR for 12 months on balance transfers with your first 60 days of account opening. Offer valid for accounts applied for between 1/2/26 - 6/30/26.

$250 cash-back

Annual Fee

$0

APR

14.15% - 18.00% Variable

Why We Like This Card

The cashRewards credit card offers a straightforward and competitive 1.5% cash back on all purchases, making it an attractive option for everyday spending.

Additionally, it stands out with no balance transfer, foreign transaction, or cash advance fees, providing exceptional value and flexibility for cardholders.

Pros & Cons

Pros

• Earn 1.5% cash back on all purchases
• No annual fees
• No balance transfer fees

Cons

• Cash-back only, can’t earn transferable points

Read Full Review

Card Highlights

• You can earn $250 cash back when you spend $2,500 within 90 days of account opening, plus new cardholders can get a 1.99% intro APR for 12 months on balance transfers with your first 60 days of account opening. Offer valid for accounts applied for between 1/2/26 – 6/30/26.
  
• Earn 1.5% cash back on all purchases. If eligible, you could receive 2% cash back with the cashRewards Plus card.
• No annual fees, no balance transfer fees, no foreign transaction fees, no cash advance fees.
• No rewards limit.
• No rewards expiration while account is open.

Financial Snapshot

• APR: 14.15% - 18.00% Variable
• Foreign Transaction Fees: None

• You can earn $250 cashback when you spend $2,500 within 90 days of account opening, plus new cardholders can get a 1.99% intro APR for 12 months on balance transfers with your first 60 days of account opening. Offer valid for accounts applied for between 1/2/26 - 6/30/26.
• $0 annual fee
• Earn 1.5% cash back on all purchases
• No rewards limit
• Terms apply

Bottom Line: Navy Federal Credit Union is not just for those enlisted in the Navy. To be eligible to join NFCU, you can have ties to active duty military members in any of the armed forces, including the Department of Defense civilian members. Retired members, veterans, and family members, even minors, also qualify. All members have access to NFCU services and products, including several credit cards. 

Pentagon Federal Credit Union (PenFed)

While PenFed was originally established for active military members, membership is now open to anyone who first donates to an affiliated charity described in the application.

That said, the credit union’s primary focus is still on the financial needs unique to active and former military members.

Here are 2 of the many rewards-earning credit cards offered by PenFed:

PenFed Platinum Rewards Visa Signature^® Card

• $0 annual fee
• Welcome bonus offer of $100 statement credit after spending $1,500 in the first 90 days after card approval
• 5x points on purchases at gas stations
• 3x points at supermarkets
• 1x points on all other purchases
• Visa Signature benefits, including secondary car rental coverage, extended warranty, roadside dispatch services, and more

PenFed Power Cash Rewards Visa Signature^® Card

• $0 annual fee
• Welcome bonus offer of $100 after spending $1,500 in the first 90 days after card approval
• 2% cash-back on all purchases (must have affiliated checking account)
• Introductory 0% APR on balance transfers for 12 months (fees apply)
• No foreign transaction fees
• Extended warranty, secondary car rental coverage, roadside dispatch services, and more

Points earned on your cards can be redeemed for travel, gift cards, or merchandise.

Bottom Line: While PenFed focuses on providing financial solutions for military and former military members, it has expanded its membership to include anyone who contributes to specific charities during the application process. 

Alternative Credit Cards for Veterans

While military credit unions and financial institutions serve the great purpose of providing discounts, loans, transition services, and financial help to our veterans and active service members, it’s always good to look at alternative options when selecting any financial product, including credit cards.

Here are a few credit card options available to the public that also come with benefits veterans may consider and use for comparison to cards offered via military-serving financial organizations.

Best Credit Cards for Veterans for Everyday Spending

We all, including veterans, spend daily on common purchases such as gas, groceries, dining, or at drugstores. Earning rewards on your greatest purchases within those categories is the key to maximizing rewards on any credit card.

Here are 2 popular everyday spending cards that will make sure you’re covered when it comes to earning rewards for those expenses.

Blue Cash Preferred^® Card from American Express

American Express does an excellent job of offering cards that reward our everyday purchases. Just one of the most popular options is the Amex Blue Cash Preferred card.

• 6% cash-back at U.S. supermarkets (up to $6,000 in purchases per year)
• 6% cash-back on streaming services
• 3% cash-back on transit and at U.S. gas stations
• Travel benefits such as secondary car rental coverage with the option to purchase premium protection for 1 low fee that covers the entire rental period
• Shopping benefits such as 0% APR on purchases for 12 months (rates & fees), purchase protection, extended warranty
• Terms apply

Amex also offers an excellent no-annual-fee card equally appropriate for some of the same everyday purchases. The Blue Cash Everyday^® Card from American Express is another Amex choice worth considering.

Find out more about the Amex Blue Cash Preferred military benefits in our guide.

Chase Freedom Flex^®

Having a banking relationship with Chase can deliver added value to the veteran. Chase waives card fees for active military and also extends monthly fee waivers on checking, no-fee safety deposit boxes, the waiver of a limited number of non-Chase ATM transactions, special home loans, and more for veterans.

Chase also offers several everyday spending cards, including the Freedom Flex card.

Chase Freedom Flex^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

Chase Freedom Flex^®

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

Welcome Offer

Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.

$200

Annual Fee

$0

APR

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Chase Freedom Flex^® sure does pack quite a punch — especially for a no-annual-fee card.

The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.

Pros & Cons

Pros

• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%
• Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
• No annual fee

Cons

• 3% foreign transaction fees in U.S. dollars

Read Full Review

Card Highlights

• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
• 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
• No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States.
• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex^® card
• Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
• Member FDIC

Financial Snapshot

• APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

• 5% back on quarterly bonus categories, up to $1,500 in purchases
• 2% back on Lyft purchases (through September 30, 2027)
• 3% back on dining, eligible food delivery services, and takeout
• 3% back at drugstores
• 1% back on all other purchases
• Redeem rewards for statement credits, travel, or transfer to Chase premium cards for even greater potential redemption value
• Travel benefits such as secondary car rental, trip interruption/cancellation
• Shopping benefits such as extended warranty, purchase protection, and cell phone protection
• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%

Chase offers the no-annual-fee Chase Freedom Unlimited^® that also rewards everyday purchases. If you’re not sure which of these cash-back cards is right for you, check out our head-to-head comparison.

Best Credit Cards for Veterans Who Want Travel Benefits

Premium travel rewards cards come with higher annual fees but also with a long list of premium travel benefits. Here are 2 of the best premium travel rewards credit cards you won’t find paralleled at military credit unions.

Platinum Card^® from American Express

In addition to elevated bonus earnings, worldwide lounge access, and valuable statement credits for specific purchases, the Amex Platinum card offers the following travel and shopping benefits (enrollment is required for some benefits):

• Gold elite status with Hilton Honors and Marriott Bonvoy
• Car rental program elite status and perks
• Use the American Express transfer partners for potentially greater value
• Travel insurance, including trip interruption, trip cancellation, and trip delay coverage
• Baggage insurance
• Emergency evacuation insurance
• Purchase protection and extended warranty protection
• Terms apply

If you know someone in the active military, you’ll want to make them aware of the American Express Military benefits afforded on the Amex Platinum card, including removal of annual fees (rates & fees). Be aware that, unlike typical credit cards, the Amex Platinum card allows you to carry a balance for certain charges, but not all.

Chase Sapphire Reserve^®

NEW OFFER

Terms Apply / Rates & Fees

Chase Sapphire Reserve^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Apply Now(at Chase's secure site)

Chase Sapphire Reserve^®

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Welcome Offer

Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

125,000 points

UP's Offer Valuation*:

$2,500

Annual Fee

$795

APR

19.49% - 27.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent

Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve^® is one of the best options.

The card combines elite travel benefits and perks like worldwide airport lounge access, with excellent point earning and redemption options. Plus, it offers top-notch travel insurance protections to cover you at home or on the road.

Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!

Pros & Cons

Pros

• 8x points on all Chase Travel purchases
• 5x points on Lyft rides
• 4x points on flights and hotels booked directly

Cons

• $795 annual fee

Read Full Review

Card Highlights

• Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
• Get more than $2,700 in annual value with Sapphire Reserve.
• Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
• $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge^® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck^® every 4 years
• Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
• Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
• Member FDIC

Financial Snapshot

• APR: 19.49% - 27.99% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

While you’ll find tremendous value with easy-to-use travel statement credits and bonus earnings, the Chase Sapphire Reserve card also offers plenty of additional travel and shopping benefits, such as:

• Worldwide lounge access with complimentary Priority Pass Select membership
• Emergency evacuation and emergency medical/dental coverage
• Transfer points to Chase travel partners for even greater potential value
• Travel insurance, including trip interruption, trip cancellation, and trip delay coverage
• Primary car rental coverage and roadside assistance
• Purchase protection, extended warranty, and return protection
• DoorDash $5 monthly credit and DashPass subscription

Bottom Line: Premium travel rewards cards have higher annual fees than most cards, but if you can utilize enough of the associated benefits, you can realize value beyond the cost of the annual fee. 

Best Credit Cards for Veterans Who Have Small Businesses

Business owners know that keeping personal and business transactions separate is imperative to running a smooth operation. You’ll also want to make sure you earn rewards on all of those business transactions.

Here are 2 suggested cards that will help you do just that:

American Express^® Business Gold Card

In addition to a generous welcome bonus offer, elevated earnings on select common business purchases, and airline point purchase rebates, the Amex Business Gold card offers additional benefits:

• No-additional-fee employee cards (rates & fees)
• Business expense management tools
• The Hotel Collection on-site benefits, including room upgrades, hotel credits, and 2x earnings
• Extended warranty and purchase protection

Another Amex business credit card to consider is The Business Platinum Card^® from American Express.

Ink Business Preferred^® Credit Card

With a generous welcome bonus offer, lower annual fee, 3x earnings on key business purchases, and up to 75% more value at redemption time, you’re already ahead with the Ink Business Preferred card.

There are, however, even more benefits of having the card:

• $0-additional-fee employee cards
• Transfer Ultimate Rewards points to travel partners for greater potential value
• Use the Pay Yourself Back option to redeem points on select purchases for up to 25% more value
• Utilize Points Boost offers in the Chase travel portal for up to 75% more value
• Primary car rental insurance, trip interruption/cancellation
• Purchase protection and extended warranty protection
• Cell phone protection

Hot Tip: Selecting the right business credit card for your situation can require a lot of research. Save time by reviewing our article featuring several of the best business credit card options to consider.

Best Credit Cards for Veterans Who Have No Credit or Bad Credit

Military service has unique demands and financial challenges. If you’ve faced these challenges and need a path to create a better credit history, there are plenty of options for building or rebuilding your credit.

Secured cards do not require a good credit history, but normally require a security deposit. Check the military financial institutions first for options, then compare with other cards to find a solution that matches your situation.

• Credit Builder Secured Visa^® Credit Card — credit limit up to $3,000 with matching security deposit, potential to upgrade to an unsecured card after building good history, $35 annual fee
• Capital One Platinum Secured Credit Card*×Information collected independently. Not reviewed by Capital One. — a refundable security deposit starting at $49 to get a $200 initial credit line
• First Progress Platinum Secured cards — various secured card options that do not require a credit check
• Navy Federal cashRewards Secured Credit Card — earn unlimited 1% cash-back, 3-month review for a credit limit increase, and 6-month eligibility review to move to an unsecured cashRewards credit card.

For additional secured card options, you’ll find information in our article on secured credit cards offering options for those with no credit or bad credit.

Final Thoughts

Financial institutions that specifically serve military and former military members are always a good place to start for financial education and assistance. These organizations have experience dealing with the unique needs of their members and offer focused solutions.

As a veteran looking for a credit card that fits your situation, you’ll want to first determine your greatest expenses, what purpose you want the rewards you earn to serve, and examine each card’s benefits to discover those you find the most valuable and will actually use.

With the vast selection of cards available, it will be easier to compare and choose a card (or cards) if you’ve determined your priorities and goals in advance.

It’s worth noting that we have abbreviated overall card information and benefit descriptions. Prior to applying for any credit card, you’ll want to review the entire card agreement to determine pricing/fees and the guide to benefits for additional benefit details.