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Credit Cards

Best Credit Cards for Military Members and Spouses

Leave & Liberty 6 min read
In This Guide

Important

Terms apply. Benefits and offers may change. Verify details directly with the issuer before applying.

Why Military Members Should Care About Credit Cards

The Military Lending Act (MLA) and Servicemembers Civil Relief Act (SCRA) provide powerful financial protections for active duty service members. Many premium credit cards waive annual fees for military — turning $695 cards into $0 cards.

Here are the top picks for 2024.

American Express Platinum

The Amex Platinum is the gold standard for military travelers. With the MLA fee waiver, you get:

  • Access to 1,400+ airport lounges (Centurion, Priority Pass, Delta Sky Club)
  • $200 annual airline fee credit
  • $200 annual Uber cash
  • $100 annual Saks Fifth Avenue credit
  • 5X points on flights booked directly with airlines

If you’re active duty, this is a no-brainer. The annual fee is waived via MLA, and the credits alone are worth over $500 per year.

Chase Sapphire Reserve

Another top contender with Chase Ultimate Rewards — highly flexible for travel transfers.


Disclosure: Some links may be affiliate links. We may earn a commission at no cost to you. Verify fee waivers with your card issuer directly.

Leave & Liberty

Part of the Leave & Liberty editorial team — dedicated to helping military families travel more, spend less, and live free.

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Our opinions are our own. Compensation may impact placement but does not influence our editorial recommendations.