Best Credit Card for Military Members 2026
Active duty military members get special protections under SCRA (Servicemembers Civil Relief Act) and MLA, including waived annual fees on many premium cards.
Chase Sapphire Reserve
$550 annual fee completely waived for active duty military — making this the best premium travel card at $0/year for service members.
- Rewards: 3x dining and travel, Priority Pass lounge access
- Annual Fee: $0 for active military
- Welcome Bonus: 60,000 points after $4,000 spend in 3 months
Amex Platinum Card
$695 annual fee waived for active duty military under MLA — all Centurion lounge access and travel benefits at no cost.
- Rewards: 5x flights, 1x other; $1,400+ in annual credits
- Annual Fee: $0 for active military
- Welcome Bonus: 80,000 points after $8,000 spend in 6 months
USAA Cashback Rewards Plus Amex
Specifically designed for military families with 5% on gas and military base purchases.
- Rewards: 5% at gas/military bases, 2% groceries, 1% other
- Annual Fee: $0
- Welcome Bonus: None
Quick Comparison
| Card | Rewards | Annual Fee | Best For |
|---|---|---|---|
| Chase Sapphire Reserve | 3x travel/dining | $0 military | Best premium card |
| Amex Platinum | 5x flights | $0 military | Luxury travel |
| USAA Rewards Plus | 5% gas/base | $0 | Military lifestyle |
How to Choose
Active duty service members should immediately apply for Chase Sapphire Reserve and Amex Platinum — getting $1,000+ in premium benefits for free is an incredible opportunity.
Frequently Asked Questions
What is SCRA protection for credit cards?
SCRA caps interest rates at 6% and waives annual fees for active duty service members on pre-service accounts.
Does MLA cover new accounts opened while active?
Yes — the Military Lending Act applies to accounts opened during active duty service.
Who qualifies for USAA credit cards?
USAA cards are available to active duty, veterans, and immediate family members of USAA members.