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    The 4 Best Credit Cards for Active-Duty Military in September 2023

    The 4 Best Credit Cards for Active-Duty Military in September 2023

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    Below are our recommendations for the best credit cards for active military members (including spouses), and the associated card benefits. These cards are essentially the most premium cards on offer that our experts recommend.

    The biggest advantages that active-duty members receive are: 1) Not being charged annual fees, but 2) Active members still get full access to cards suite of benefits and perks.

    Amex Credit Cards (Annual Fees Not Charged, Best Card Benefits)

    American Express goes beyond the letter of the law when offering benefits to active-duty military (including spouses and domestic partners).

    They do not limit benefits to credit cards opened prior to active military service. Instead, Amex is waiving fees and offering reduced interest rates on all of their credit cards — even newly acquired ones.

    Special Amex Benefits for Active Military

    • Annual membership fees and other fees not charged such as late payments, returned payments, and over-limit fees
    • A cap of 6% on interest rates for cards acquired prior to active duty or 36% (Military Annual Percentage Rate) for cards acquired during active duty
      • Newly acquired cards are not capped

    How to Request These Benefits (Do This After You’re Approved)

    • Online: Log in to your credit card account online and click on “account services.” Under the account services tab you will find “credit management.” You will see SCRA Benefits under that tab and be able to request the benefits there.
    • Phone: Call 800-253-1720 from the U.S., or outside of the U.S. call collect at 336-393-1111.
    • Fax: Fax active duty documents with American Express account numbers to 623-444-3000.
    • Mail: Mail documents with account numbers to American Express, Servicemembers Civil Relief Act, PO Box 981535, El Paso, TX 79998-1535

    Best Amex Credit Cards for Active Duty Military

    1. The Platinum Card® from American Express (Annual Fee Not Charged, Best Card Worldwide Airport Lounge Access)

    The Platinum Card® from American Express

    The Platinum Card® from American Express

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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.

    This card is undoubtedly the #1 card for luxury travel benefits. From the best lounge access (of any card) to statement credits, to complimentary elite status, you can’t go wrong.

    The Platinum Card® from American Express

    This card is undoubtedly the #1 card for luxury travel benefits. From the best lounge access (of any card) to statement credits, to complimentary elite status, you can’t go wrong.
    Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on the Card in your first 6 months of Card Membership.
    80,000 points
    $1,760
    $695
    See Pay Over Time APR
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.

    Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

    Pros

    • The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
    • 5x points per $1 spent on flights purchased directly with the airline or with American Express Travel (up to $500,000 per year)
    • 5x points per $1 spent on prepaid hotels booked with American Express Travel
    • Annual and monthly statement credits upon enrollment (airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit)
    • TSA PreCheck or Global Entry credit
    • Access to American Express Fine Hotels and Resorts
    • Access to Amex International Airline Program
    • No foreign transaction fees (rates and fees)

    Cons

    • $695 annual fee (rates and fees)
    • Airline credit does not cover airfare (only incidentals like checked bags)
    • Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
    • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
    • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
    • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
    • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
    • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
    • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
    • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
    • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
    • $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
    • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
    • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
    • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
    • $695 annual fee.
    • Terms Apply.

    Financial Snapshot

    • APR: See Pay Over Time APR
    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    American Express Membership Rewards

    Why We Like the Card for Military Members

    This is the “no brainer” card for active military given the substantial annual fee won’t be charged.

    If you like to travel, having lounge access can certainly add economy and comfort to your trip. You can grab a free drink, a bite to eat, and relax during your journey. Cardmembers will have access for themselves plus 2 guests to upscale Centurion lounges, considered to be some of the best airport lounges available.

    In addition, you’ll enjoy Priority Pass Select membership, which allows you and 2 guests complimentary access to Priority Pass lounges worldwide. Priority Pass is the world’s largest lounge network with nearly 1,300 lounges.

    If you travel on Delta Air Lines, you’ll also enjoy access to Delta Sky Clubs (cardholder only). Also included is access to select Virgin Clubhouses, select Lufthansa Lounges when flying Lufthansa, Escape Lounges – The Centurion Studio Partner, Airspace Lounge and Plaza Premium Lounges.

    What makes this card even better is that you can get benefits with over $5,300 in value from all of the credits available that are listed above in the table. If you’re active-duty military, you get access to all of this value without paying the hefty annual fee.

    Bottom Line: American Express offers over 60 different cards, and they do not charge annual fees on all of them for active military. To maximize this benefit, we recommend applying for The Amex Platinum Card and/or the Amex Gold Card due to their high annual fees and premium benefits. 

    2. The American Express® Gold Card (Annual Fee Not Charged, Best Card for Earning Points on Restaurants Worldwide & U.S. Supermarkets)

    American Express® Gold Card

    American Express® Gold Card

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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.

    This is the go-to card for food lovers who dine out at restaurants and those who want big rewards at U.S. supermarkets!

    American Express® Gold Card

    This is the go-to card for food lovers who dine out at restaurants and those who want big rewards at U.S. supermarkets!
    Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
    60,000 points
    $1,320
    $250
    See Pay Over Time APR
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    The American Express® Gold Card is definitely a game-changer.

    With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.

    There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are a number of other benefits of the Gold Card as well, including extra monthly dining rewards and more.

    Pros

    • 4x points per $1 at restaurants, plus takeout and delivery in the U.S.
    • 4x points per $1 at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
    • 3x points per $1 on flights purchased directly from airlines or at Amex Travel
    • Up to $120 annual dining credit: up to $10 monthly statement credit when you pay with the Amex Gold card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations
    • Up to $120 in annual Uber Cash: get $10 monthly in Uber Cash for Uber Eats orders or Uber rides in the U.S. when you add your Gold Card to your Uber account
    • No foreign transaction fees (see rates and fees)
    • Access to Amex’s The Hotel Collection
    • Access to American Express transfer partners

    Cons

    • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
    • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
    • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
    • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
    • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
    • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
    • Choose the color that suits your style. Gold or Rose Gold.
    • No Foreign Transaction Fees.
    • Annual Fee is $250.
    • Terms Apply.

    Financial Snapshot

    • APR: See Pay Over Time APR
    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    American Express Membership Rewards

    Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 90,000 points with the Amex Gold card. The current public offer is 60,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

    Why We Like the Card for Military Members

    Because the Membership Rewards points you earn on everyday spending can be redeemed easily for travel, the Gold Card strikes a balance of being an everyday earning credit card and a travel rewards credit card.

    For those who travel occasionally but spend regularly on restaurants worldwide (including takeout and delivery in the U.S.) and at U.S supermarkets, this card is an excellent match.

    You can also get up to $120 annual dining credit: up to $10 monthly statement credit when you pay with the Amex Gold card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations

    Best Chase Credit Cards for Active Duty Military

    3. Chase Sapphire Preferred® Card ($95 Annual Fee Waived, Excellent First Travel Card, Solid Travel Insurance)

    Chase Sapphire Preferred® Card

    Chase Sapphire Preferred® Card

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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 fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

    Learn More(at Chase's secure site)

    Chase Sapphire Preferred® Card

    A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
    Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
    60,000 points
    $1,200
    $95
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Good to Excellent (670-850)

    The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

    Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

    Pros

    • 5x points on all travel booked via the Chase Ultimate Rewards portal
    • 5x points on select Peloton purchases over $250 (through March 31, 2025)
    • 5x points on Lyft purchases (through March 31, 2025)
    • 3x points on dining purchases, online grocery purchases, and select streaming services
    • 2x points on all other travel worldwide
    • $50 annual credit on hotel stays booked through the Chase Ultimate Rewards portal
    • 6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
    • Excellent travel and car rental insurance
    • 10% annual bonus points
    • No foreign transaction fees
    • 1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
    • Complimentary Spot Club Platinum status with The Parking Spot for 2 years, 20% off of your first reservation, and points for 1 free day of parking (enroll by October 26, 2023)

    Cons

    • $95 annual fee
    • No elite benefits like airport lounge access or hotel elite status
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
    • Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
    • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
    • Member FDIC

    Financial Snapshot

    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Chase Ultimate Rewards

    A great first-time travel rewards card, the Chase Sapphire Preferred card offers a nice balance of practical travel benefits and earning valuable Ultimate Rewards points.

    • 5x points on travel purchased through Chase Ultimate Rewards
    • 3x points on dining
    • 2x points on all other travel purchases
    • Travel protections and benefits, including trip interruption/cancellation and primary rental car insurance
    • Redeem for 25% more value on the Ultimate Rewards travel portal

    Why We Like the Card for Military Members

    Earning valuable Chase Ultimate Rewards is a real benefit and being able to redeem them for travel on the Chase travel portal for 25% more is an added bonus.

    Ultimate Rewards points can also be transferred to travel partners for even more value.

    If you’re a Military Member renting a vehicle, know that you’ll be protected with primary car rental insurance.

    4. Chase Sapphire Reserve® Card ($550 Annual Fee Waived, Great Lounge Access)

    Chase Sapphire Reserve®

    Chase Sapphire Reserve®

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the in's and out's 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 3x points on travel and dining while offering top luxury perks.

    Learn More(at Chase's secure site)

    Chase Sapphire Reserve®

    A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
    Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
    60,000 points
    $1,200
    $550
    Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.
    Excellent (740-850)

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

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

    Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

    Pros

    • 10x points on car rentals, hotels, and dining booked via the Chase Ultimate Rewards portal
    • 10x points on Lyft purchases March 31, 2025
    • 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
    • 5x points on airfare booked via the Chase Ultimate Rewards portal
    • 3x points on all other travel and dining purchases; 1x point on all other purchases
    • $300 annual travel credit
    • Priority Pass airport lounge access
    • TSA PreCheck, Global Entry, or NEXUS credit
    • Access to Chase Luxury Hotel and Resort Collection
    • Rental car elite status with National and Avis

    Cons

    • $550 annual fee
    • Does not offer any sort of hotel elite status
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
    • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
    • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
    • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
    • 1:1 point transfer to leading airline and hotel loyalty programs
    • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
    • Member FDIC

    Financial Snapshot

    • Foreign Transaction Fees: None

    Card Categories

    Rewards Center

    Chase Ultimate Rewards

    The Chase Sapphire Reserve card is a premium travel rewards credit card with a long list of benefits.

    • Generous welcome bonus worth hundreds of dollars toward travel after completing minimum spending requirements within first 3 months after card approval
    • Priority Pass Select Membership with access to over 1,000 airport lounges worldwide after enrollment.
    • $300 travel credit each card anniversary year
    • 3X points on travel and dining purchases
    • Transfer Ultimate Rewards to travel partners for potential added value
    • Redeem Ultimate Rewards points for 50% more value on travel purchased through the Chase Ultimate Rewards travel portal
    • Global Entry/TSA PreCheck credit up to $100

    Why We Like the Card for Military Members

    If you’re traveling frequently, the worldwide lounge access benefit will make your journey more comfortable and economical. The $300 travel credit each anniversary year is easy to use and adds immediate value.

    With elevated earning on travel and dining purchases and 50% more value when redeeming through the Chase travel portal, any military member who travels will utilize this card’s benefits.

    Chase Credit Cards (Waived Annual Fees, Excellent Card Benefits)

    Special Chase Benefits for Active Military

    Chase offers benefits for active military members in accordance with the MLA law for those under active duty who applied for cards after September 20, 2017. Benefits apply only to personal credit cards, not their business cards.

    • Waived annual fees and other fees (except late fees and insufficient fund fees)
    • Military Annual Percentage Rate (MAPR) won’t exceed 36% (includes any fees)
    • Any introductory promotional interest rates (0% APR, etc.) will be honored

    How to Request Benefits (Do This After You’re Approved)

    After applying for the credit card of your choice, you can request SCRA/MLA benefits:

    • Access your Chase.com online banking profile
    • Select “secure messages” in the upper left of the page
    • Select “compose message”
    • Under “inquires,” select Military SCRA benefits
    • Include your account number
    • Attach supporting documents

    You can call 1-877-469-0110 to ask about credit card fee waivers for Chase credit cards (8am-10pm Monday through Friday, and 9am-6pm Saturdays). Internationally, call collect at 318-340-3348.

    All Chase personal credit cards are included for Military benefits; here are some of the most popular that we recommend.

    Final Thoughts

    Premium travel rewards credit cards can have fees exceeding $500 per year, plus additional fees for authorized users. Having these annual fees not charged while qualifying for the valuable benefits offered can result in significant savings.

    This is why so many active military members get the Amex Platinum Card (1st choice) or Amex Gold Card.

    Keep in mind that balances still need to be paid off each statement period to avoid interest charges (even reduced ones), and payments must be made on time to preserve your good credit.

    For rates and fees of The Platinum Card® from American Express, click here.
    For rates and fees of the American Express® Gold Card, click here.

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