by Trevor Rocious
As a military personnel, it is important to have a credit card good enough for travels and on-base purchases. Most of these credit cards are good for cash back rewards due to the several benefits attached.
This guide will show you the several perks offered by credit card issuers and certain features you need to lookout for when deciding to apply for one.
It is also important to evaluate several credit card attributes (such as valuable rewards, considerably low APR and low fee charges) before deciding which credit card will be good enough for your specific needs as a military officer.
In this article, careful selection has been done in other to come up with a list of the best credit cards for a military personnel. We will take a look at the features you should look for in a certain credit card and things you will get to benefit from choosing one from our list.
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Ensure you check the amount of miles or points you will be given on applying for a particular credit card. Huge sign up bonuses makes a credit card standout.
Credit cards come with high charges but some card issuers waive certain charges on this credit cards for military officers in active service. A good example is waiving annual fees.
For every dollar spent on purchases, you can earn special rewards. These rewards are classified in form of points or miles depending on the bank issuing the credit.
As someone with a tight official schedule, it's important to get credit cards from issuers that have a 24 hours customer service. Access to mobile apps and online interaction service can make your transactions easier no matter your location.
As a service member, you need to consider your needs and how you spend while you are on official duties. There are special credit cards good for military base transactions while some offers special travel benefits. Many credit card issuers also wave annual fees for serving military personnel. So, if you are a military personnel looking for special credit card benefits, you can apply here.
For you to enjoy most of the benefits from these credit cards, ensure you take note of certain things. We have done a good research before writing our list but these few guides will ensure you get the best from any credit card you decide to apply for as a military personnel.
· Make payments as at when due. Don't make late payments.
· Don't rack up debts you can't afford to pay up by the end of the month.
· Always contact card issuer's customer service to enjoy more benefits.
· As a military personnel, you can apply for SCRA card rewards. This will help you save cost while you are on an official duty.
1. USAA Cashback Rewards Plus American Express Card
2. Capital One Venture Rewards Credit Card
3. Priceline Rewards Visa Card
4. Platinum Card from American Express
5. Navy Federal Credit Union Platinum Credit Card
6. Citi Premier Credit Card
The listed credit cards above offers special service to military members. These credit cards comes with amazing benefits and rewards. Most of these benefits are courtesy of SCRA (The Servicemembers Civil Relief Act).
This credit card offers the best military reward programs. There are few credit cards that offers special rewards to military members in active service, but this particular one is a strong recommendation from us.
It offers a 5.0% cashback reward on the first $3,000 spent on military related purchases yearly. For purchases such as the ones in grocery stores, you can earn 2.0% cashback rewards, while you get to earn 1% cashback on other purchases.
Benefits of this Credit Card:
· There is no annual fee charges.
· It offers 1% - 5% reward cashback on purchases.
· It is the best credit card for military purchases.
· You can earn reward points on groceries purchases.
· Due to SCRA benefits, interest on your credit balance can be capped at 4%.
Credit Card Review:
| USAA Cashback Rewards Plus American Express Card | |
| Card Issuer | USAA Bank |
| Foreign Charges | There is no foreign charges |
| Annual Charges | This credit card charges $0 annual fee |
| Rewards Rate | 5.0% cashback of $3,000 early purchase |
| Members Eligibility | Active and retired military personnel |
| APR Variable | The APR variable ranges from 13.4% - 27.4% |
The table above shows an in-depth review of the USAA Cashback Rewards American Express Card.
You can learn more about this credit card if you need to apply for one.
It is basically the best credit card for military personnel working on a military base because it helps them maximize the benefits attached to the credit card.
This is one of the credit cards that standouts for military purpose. U.S military members can enjoy a whole lot of benefits with this reward based credit card.
Active duty military personnel that qualifies to receive SCRA benefits also gets low APR variable. This credit card can be used on travels because it does not charge foreign transaction fees.
Benefits of this Credit Card:
· It charges no annual transaction fees.
· It offers a very flexible travel rewards rate.
· It is one of the best credit cards for military personnel.
· Capital One waives late fees charges on active service member's accounts.
· This Capital One credit card charges $0 annual fee for both active and retired service members.
Credit Card Review:
| Capital One Venture Rewards Credit Card | |
| Card Issuer | Capital One Bank |
| Foreign Charges | There is no foreign charges |
| Annual Charges | This credit card charges $0 annual fee |
| Rewards Rate | 1.25 miles per dollar on all purchase |
| Members Eligibility | Active and retired military personnel |
| APR Variable | The APR variable ranges from 14.49% - 24.49% |
The table above shows an in-depth review of Capital One Venture Rewards Credit Card
You can learn more about this credit card if you need to apply for one.
We rate this credit card highly because of it does not charge foreign transaction fees which makes it very good for military personnel that travels frequently.
This Rewards Visa Card is a credit card issued by Barclays and one that helps save a lot of costs. You will get to earn reward points for purchases you make on the Priceline website.
The card issuer waives all charges on this credit card if a military personnel qualifies to enjoy SCRA benefits. For every dollar spent on purchases, you will get to earn 5 reward points regardless of your rank in service.
Benefits of this Credit Card:
· It offers an exceptional cost saving deal.
· It charges no annual fee.
· Travel reservations can be made on the Priceline website.
· It offers 5 reward points on eligible Priceline purchases.
· This is the best credit card that offers low APR to active service members.
Credit Card Review:
| Priceline Rewards Visa Card | |
| Card Issuer | Barclays Bank |
| Foreign Charges | No foreign charges |
| Annual Charges | It charges $0 annual fee |
| Rewards Rate | 1 points on per dollar on eligible purchases |
| Members Eligibility | Active service members |
| APR Variable | The APR variable ranges from 17.49% - 27.49% |
The table above shows an in-depth review of the Priceline Visa Credit Card
You can learn more about this credit card if you need to apply for one.
The eligible Priceline purchases includes airfare, hotel reservations and travel packages.
The Platinum Card from American Express is a premium credit card. It charges a huge $550 fee per annum but it offers excellent cash back rewards on certain credit card transactions. It offers a 60,000 membership reward points as welcome bonus for the first $5 spent on purchases. That is very generous.
As a military personnel, you can enjoy awesome travel benefits from Amex. The travel perks provided makes it a unique credit card for military personnel on official duties outside the states.
Benefits of this Credit Card:
· It offers the best travel perks for military personnel.
· It charges no foreign transaction fees.
· Hotels and Flights can be booked through Amex Travels website.
· You can get $100 credit reward every 4 years for Global Entry Applications.
· Platinum Credit Card from American Express offers a $15 Uber credits for car rides within the United States.
Credit Card Review:
| Platinum Card from American Express | |
| Card Issuer | American Express |
| Foreign Charges | No foreign transaction fees |
| Annual Charges | It charges $550 annual fee |
| Rewards Rate | 5 membership reward points per dollar spent |
| Members Eligibility | Active service members |
| APR Variable | The APR variable ranges from 12.99% - 22.99% |
The table above shows an in-depth review of the Platinum Card from American Express
You can learn more about this credit if you need to apply for one.
The 5 membership reward offered on every dollar spent is specific for transactions performed through American Express Travel.
The Navy Federal Credit Union Platinum Credit Card offers a balance transfer used to pay up debts. Balance transfers on this credit card has a 0% introductory APR within the first 12 months of account registration.
You have to be a member of the credit card union for you to apply and enjoy benefits from this credit card.
Benefits of this Credit Card:
· The Navy Federal Credit Union does not charge balance transfer fees.
· It does not charge foreign transaction fees.
· All military personnel are eligible to apply for this credit card.
· It does not charge any annual fee.
Credit Card Review:
| Navy Federal Credit Union Platinum Credit Card | |
| Card Issuer | Navy Federal Credit Union |
| Foreign Charges | No foreign transaction fees |
| Annual Charges | It charges $0 annual fee |
| Rewards Rate | 3 reward points on per dollar eligible purchase |
| Members Eligibility | Active service members, retirees and family members |
| APR Variable | The APR variable ranges from 7.49% - 18.0% |
The table above shows an in-depth review of the Navy Federal Credit Union Platinum Card
You can learn more about this credit card if you need to apply for one.
We recommend the use of this credit card for military personnel because it does not charge balance transfer fees.
The City Premier offers the best signup bonus. Unlike platinum Card from American Express, you only have to spend $4,000 as compound to the $5,000 within the first 3 months of account opening to earn 60,000 bonus points.
You can earn 3 points per $1 gas station and travel purchase. As for other purchase such as transactions in a restaurant, you can earn 2 points on every dollar spent, you get 1 point on all other eligible purchases.
Benefits of this Credit Card:
· It offers extra travel points.
· City Premier offers the best sign up bonus.
· It offers a $690 Citi Thank-You points based on evaluation.
· You can earn as high as 60,000 reward bonus points on early purchases.
Credit Card Review:
| Citi Premier Credit Card | |
| Card Issuer | Citi Premier |
| Foreign Charges | No foreign transaction fees |
| Annual Charges | It charges $95 annual fee |
| Rewards Rate | 1-3 points is earned per dollar depending on purchase |
| Members Eligibility | Active and retired service members |
| APR Variable | The APR variable ranges from 15.99% - 23.99% |
The table above shows an in-depth review of the Citi Premier Credit Card
You can learn more about this credit card if you need to apply for one.
Military personnel on active duty enjoy waved balance transfer, annual fee and late fees depending on their SCRA status.
Share your thoughts and other credit card options for military personnel in the comment box. Thank you for reading.
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About Trevor Rocious
Trevor Rocious is a prominent science blogger known for his engaging and informative content in the field of scientific exploration and discovery. With a passion for unraveling the mysteries of the universe, Trevor has captivated a wide audience with his ability to communicate complex scientific concepts in a relatable and accessible manner.
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