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Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.

    The Best Credit Cards for Military Veterans in July 2025

    The Best Credit Cards for Military Veterans in July 2025

    We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

    If you’re a veteran, NFCU and USAA offer some of the best credit card options. However, you’ll need to be a member to apply.

    Best NFCU Credit Cards

    Navy Federal Credit Union is a member-owned, not-for-profit institution with 11+ million members. Veterans can join and apply for any of its credit cards.

    Note: You must be a member of the NFCU to apply for one of their credit cards below.

    Navy Federal More Rewards American Express Card (Best for Earning Points)

    TOP NFCU PICK
    Navy Federal More Rewards American Express® Card
    Navy Federal More Rewards American Express® Card
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    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.
    From 4/1/25 through 1/1/26, get 20,000 bonus points when you spend $2,000 within your first 90 days of account opening.
    20,000 bonus points
    $0
    14.90% - 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, 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
    • 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
    • From 4/1/25 through 1/1/26, get 20,000 bonus points when you spend $2,000 within your first 90 days of account opening.
    • Maximize your everyday spending.
    • 3x points at supermarkets, gas, transit, and restaurants.
    • 1x points on everything else.
    • No annual fees, no balance transfer fees, no foreign transaction fees, no cash advance fees.
    • No limit on rewards.
    • Points can be redeemed for cash, travel, gift cards, and merchandise.
    Financial Snapshot
    • APR: 14.90% - 18.00% Variable
    • Foreign Transaction Fees: None

    cashRewards Credit Card (Best for Cash-Back)

    cashRewards Credit CardTerms Apply / Rates & Fees
    cashRewards Credit Card
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    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% cash-back 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% cash-back on all purchases, and no limit to your rewards.
    From 4/1/25 through 1/1/26, 1.99% intro APR for 12 months on balances transferred from non-Navy Federal credit card within 60 days of account opening & $250 cash back when you spend $2,500 within 90 days of account opening.
    $250 cash-back
    $0
    14.90% - 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
    • No ability to earn bonus cash-back above the 1.5% flat rate
    • Cash-back only, can’t earn transferrable points
    Read Full Review
    Card Highlights
    • From 4/1/2025 through 1/1/2026, 1.99% intro APR for 12 months on balances transferred from non-Navy Federal credit card within 60 days of account opening & $250 cash back when you spend $2,500 within 90 days of account opening.
    • Earn 1.5% cash back on all purchases. Redeem as soon as you earn. If eligible, you could receive 2% cashback with the new 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: 14.90% - 18.00% Variable
    • Foreign Transaction Fees: None

    Best USAA Credit Cards

    USAA offers a range of credit cards designed to meet the needs of military members, veterans, and their families. As a member-focused organization, USAA provides competitive rates, rewards, and benefits tailored to those who have served.

    Note: You must be a member of USAA to apply for their credit cards.

    USAA Preferred Cash Rewards Visa Signature® Credit Card (Best for Cash-Back)

    TOP USAA PICK
    USAA Preferred Cash Rewards Credit CardTerms Apply / Rates & Fees
    USAA Preferred Cash Rewards Credit Card
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    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 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.
    Intro Offer: Earn a $200 reward bonus when you spend $1,000 on qualifying purchases within 90 days of account opening.
    $200
    $0
    16.15% to 28.15% variable regular
    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 cardapplication.
    Good to Excellent (670-850)
    Pros & Cons
    Pros
    • Has an intro reward bonus offer
    • Unlimited cash-back with no category restrictions or caps
    • No annual fee
    Cons
    • No intro purchase or balance transfer offer
    • No cash-back bonus categories
    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.
    • Earn unlimited 1.5% cash back on purchases, no category restrictions, no caps on cash back.
    • Intro Offer: Earn a $200 reward bonus when you spend $1,000 on qualifying purchases within 90 days of account opening.
    • Auto Deductible Reimbursement (ADR) up to $200.
    • A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
    • No annual fee.
    • Cash back rewards never expire.
    • Redeem cash back your way, on your schedule.
    • No foreign transaction fees.
    • 16.15% to 28.15% variable regular APR.
    • Terms and Restrictions apply. See the Reward Terms and Conditions and the ADR Benefit Guide on USAA’s website for details.
    • See Rates and Fees for details.
    Financial Snapshot
    • APR: 16.15% to 28.15% variable regular
    • Foreign Transaction Fees: None

    USAA Rate Advantage Credit Card (Best for LOW Intro APR)

    USAA Rate Advantage Credit CardTerms Apply / Rates & Fees
    USAA Rate Advantage Credit Card
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    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 APR rate, and no penalty APR.

    Apply Now(at USAA's secure site. Must be a USAA member, or become a member, to apply.)
    USAA Rate Advantage Credit Card
    The USAA Rate Advantage Credit Card offers no annual fee, a low APR rate, and no penalty APR.
    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 11.15% to 25.15% will apply to introductory balances.
    Low intro APR for 15 months
    $0
    11.15% to 25.15% variable regular APR
    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 cardapplication.
    Good to Excellent (670-850)
    Pros & Cons
    Pros
    • Low variable APR on purchases, balance transfers, and cash advances
    • No annual fee
    • No foreign transaction fees
    Cons
    • Does not earn rewards
    • No welcome bonus
    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 11.15% to 25.15% 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.
    • 11.15% to 25.15% variable regular APR.
    • See Rates and Fees for details.
    Financial Snapshot
    • APR: 11.15% to 25.15% variable regular APR
    • Foreign Transaction Fees: None

    USAA Eagle Navigator® Visa Signature® Credit Card (Best for Earning Points)

    USAA Eagle Navigator® Credit CardTerms Apply / Rates & Fees
    USAA Eagle Navigator® Credit Card
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    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!

    Apply Now(at USAA's secure site. Must be a USAA member, or become a member, to apply.)
    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!
    Earn 30,000 bonus points ($300 travel value) after spending $3,000 on qualifying purchases within 90 days of account opening.
    30,000 points
    $95
    19.15% to 27.40% variable
    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 cardapplication.
    Good to Excellent (670-850)
    Pros & Cons
    Pros
    • 3x points on travel purchases
    • 2x points on all other purchases, such as groceries, gas, and utilities
    • No foreign transaction fees
    Cons
    • Annual fee of $95
    • No point transfer travel partners
    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.
    • 19.15% to 27.40% 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: 19.15% to 27.40% variable
    • Foreign Transaction Fees: None

    Upgrade your travel experience

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    Disclaimer: Upgraded Points, LLC and its website, UpgradedPoints.com, provides information on credit cards, reward programs, travel information and ancillary information concerning travel and credit cards. The information provided is for informational purposes only and should not be considered financial, tax or legal advice.

    Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site — and prior to applying for any credit card offers found on UpgradedPoints.com, all visitors should review other features of such credit cards including but not limited to interest rates, annual fees and transaction fees, and should determine the suitability of such credit cards considering their own individual financial position.

    Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. For more information on our advertisers and how we make money, see our advertising policy here. In addition, as an Amazon Associate we earn from qualifying purchases.

    Editorial Disclosure: The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer.