Top Military Credit Cards in 2025
Most people pay $395–$695 per year for access to luxury credit card perks — but if you’re active duty military, you might not have to pay a dime.
Thanks to the Military Lending Act (MLA) and Servicemembers Civil Relief Act (SCRA), banks waive the annual fees on many top-tier cards. That means you can get access to airport lounges, hotel upgrades, bonus travel credits, and elite rewards — without paying the typical premium.
If you're looking to maximize your military benefits, here are four cards to consider in 2025.
💼 Premium Travel Card
Best for: Frequent fliers, PCS movers, or anyone who values travel comfort
Perks:
Access to multiple airport lounge networks (including Centurion®)
$200 hotel credit and $200 airline fee credit
$100 Global Entry/TSA PreCheck reimbursement
Points transferable to 20+ travel partners
Concierge access & luxury perks
💡 Why it's great for military: One of the highest-value cards on the market — and the $695 annual fee? Waived for active duty.
🍔 Everyday Rewards Card
Best for: Grocery runs, takeout nights, and BAH budgeting
Perks:
4x points at U.S. supermarkets and restaurants
Dining credits + rideshare perks
Transfer points to airline partners
No foreign transaction fees
💡 Military-friendly tip: Use this for your everyday spending and watch the rewards rack up — all while skipping the annual fee.
🛫 Flexible Travel Card
Best for: Domestic & international travel with top-tier flexibility
Perks:
$300 annual travel reimbursement
3x points on travel and dining
Lounge access (Priority Pass)
Built-in trip protection & insurance
Points transfer to leading airline/hotel partners
💡 Why it works: It’s a military travel workhorse. The travel credit alone covers most of what you’d normally pay out of pocket.
🧠 Choosing the Right Card
Each of these cards offers something different — from ultra-luxury perks to everyday usability. But the one thing they all have in common?
$0 annual fee for active duty military members
$1,000+ in total value per year (easily)
📥 Want More Tools Like This?
Download our free VA Loan Checklist or check out our Tools & Guides page for even more perks, guides, and tools made for military life.
💬 Disclosure
Bryson Saunders has partnered with CardRatings for our coverage of credit card products. Bryson Saunders and CardRatings may receive a commission from card issuers if you apply through our links. This content is not provided or endorsed by any card issuer.
Disclosure: This content is for informational purposes only and does not constitute financial advice.