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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 October 2025

    The Best Credit Cards for Military Veterans in October 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.
    Right now you can earn 20,000 bonus points when you spend $2,000 (a $200 value) within your first 90 days of account opening. Plus, you could get a one-time $98 statement credit when you pay $49 or more for an annual Walmart+ membership (expires 1/1/2026).
    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 (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
    • Right now you can earn 20,000 bonus points when you spend $2,000 (a $200 value) within your first 90 days of account opening. Plus, you could get a one-time $98 statement credit when you pay $49 or more for an annual Walmart+ membership (expires 1/1/2026).
    • 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: 14.90% - 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% 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.
    Right now you can earn $250 cash back when you spend $2,500 within 90 days of account opening plus get a 1.99% intro APR for 12 months on balances transferred from non-Navy Federal credit card within 60 days of account opening (expires 1/1/2026).
    $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
      • Cash-back only, can’t earn transferable points
    Read Full Review
    Card Highlights
    • Right now you can earn $250 cash back when you spend $2,500 within 90 days of account opening plus get a 1.99% intro APR for 12 months on balances transferred from non-Navy Federal credit card within 60 days of account opening (expires 1/1/2026).
    • Earn 1.5% cash back on all purchases. 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 Visa Signature® Credit CardTerms Apply / Rates & Fees
    USAA Preferred Cash Rewards Visa Signature® 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 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.
    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 card application.
    Good to Excellent (670-850)
    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 all of their daily expenses with $0 annual fees.

    Pros & Cons
    Pros
    • Uncapped 1.5% cash-back on all purchases
    • $0 annual fee and no foreign transaction fees
    • Auto deductible reimbursement
    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.
    • 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.
    • $0 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 Visa® Platinum Credit CardTerms Apply / Rates & Fees
    USAA Rate Advantage Visa® Platinum 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 0% 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 0% intro APR, along with solid travel and purchase protections.
    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 card application.
    Good to Excellent (670-850)
    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 0% 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 11.15% to 25.15% 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 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 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.
    • 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

    Featured Image Credit: Geber86 via Adobe Stock

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    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.

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