Your Best Cards

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Rankings · Military

Best Credit Cards for Military

97 cards ranked by the rate their issuer charges servicemembers on balances from before active duty, plus what 11 card issuers offer, read on each issuer’s own site.

Ranked by math · No sponsored placements · How we score

Lowest SCRA rate
4%
Capital One, Discover, Navy Federal Credit Union and USAA
Cards ranked
97
From issuers that publish a rate
Issuers compared
11
Policies from issuer sites
Sponsored rankings
0
Compensation never changes the order

Before you compare

The SCRA caps card debt from before active duty at 6%, but Capital One, Discover, Navy Federal Credit Union and USAA cap it at 4%. The cap only covers balances you had before your orders, so the card you carry ahead of a call-up is the one that counts. That matters most for Guard and Reserve members, recruits before they ship and spouses with joint accounts. Cards opened during service get the MLA’s 36% limit instead.

Cards Ranked by SCRA Rate Cap

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Consumer cards from issuers that publish their SCRA rate, lowest rate first. Ties go to issuers that also waive fees, then to our overall score. 97 cards compared.

Search for an issuer or a feature such as no annual fee. Open View details for each issuer’s SCRA terms and how to ask.
Capital One Savor Student Cash Rewards

Capital One Savor Student Cash Rewards

Lowest SCRA Rate
Capital One
SCRA rate4%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
Not published
  • Earn unlimited 3% cash back at grocery stores, on dining, entertainment and popular streaming services, plus 1% cash back on all other purchases
Capital One Quicksilver Student Cash Rewards

Capital One Quicksilver Student Cash Rewards

Capital One
SCRA rate4%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
Not published
  • Unlimited 1.5% cash back on all purchases
Capital One Venture X Rewards

Capital One Venture X Rewards

Capital One
SCRA rate4%
Fees during reliefWaived
Annual fee
$395
Ongoing APR
Not published
  • 10X Miles on hotels & rental cars booked through Capital One Travel
  • 5X Miles on flights and vacation rentals booked through Capital One Travel
Platinum

Platinum

Navy Federal Credit Union
SCRA rate4%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
Not published
Capital One Venture Rewards

Capital One Venture Rewards

Capital One
SCRA rate4%
Fees during reliefWaived
Annual fee
$95
Ongoing APR
Not published
  • Unlimited 2X miles on all purchases
  • 5X on hotels/rentals through Capital One Travel
Eagle Adapt™ Credit Card

Eagle Adapt™ Credit Card

USAA
SCRA rate4%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
16.40%-26.40%
  • 3% cash back on your first $3,000 in combined quarterly purchases across eligible spend categories including groceries, dining, gas and travel
  • unlimited 1% cash back on other purchases
Quicksilver VentureOne

Quicksilver VentureOne

Capital One
SCRA rate4%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
18.74% - 28.74% variable APR
  • Unlimited 1.25 miles per dollar on all purchases
  • 5 miles per dollar on hotels/rentals through Capital One Travel
Discover it® Miles

Discover it® Miles

Discover
SCRA rate4%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
17.74%–26.74%
  • 1.5 miles per dollar on all purchases
cashRewards Plus

cashRewards Plus

Navy Federal Credit Union
SCRA rate4%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
Not published
  • 2.00% cash back on all purchases (cashRewards Plus is issued with a credit limit of $5,000 or more
  • below that you get cashRewards at 1.5%)
Navy Federal More Rewards American Express® Card

Navy Federal More Rewards American Express® Card

Navy Federal Credit Union
SCRA rate4%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
Not published
  • 3X points at restaurants and on food delivery
  • 3X points at supermarkets
Savor Rewards from Capital One

Savor Rewards from Capital One

Capital One
SCRA rate4%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
18.74% - 28.74% variable APR
  • Unlimited 3% cash back at grocery stores, on dining, entertainment and popular streaming services
  • 1% cash back on all other purchases
USAA® Cashback Rewards Plus American Express® Credit Card

USAA® Cashback Rewards Plus American Express® Credit Card

USAA
SCRA rate4%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
15.40%-27.40%
  • 5% cash back on your first $3,000 in gas station purchases yearly
  • 3% cash back on your first $3,000 in grocery purchases yearly
Discover it® Cash Back

Discover it® Cash Back

Discover
SCRA rate4%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
18.74% to 28.74% variable APR
  • 5% rotating categories
cashRewards

cashRewards

Navy Federal Credit Union
SCRA rate4%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
14.40% to 18.00% variable APR
  • 1.5% cash back on all purchases
Eagle Navigator™ Credit Card

Eagle Navigator™ Credit Card

USAA
SCRA rate4%
Fees during reliefWaived
Annual fee
$95
Ongoing APR
Not published
  • 3X points on travel and transit including air, hotel, car and vacation rentals, rideshare, tolls and more 2X points on other purchases
Quicksilver Rewards

Quicksilver Rewards

Capital One
SCRA rate4%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
18.74%–28.74%
  • Unlimited 1.5% back on all purchases
Discover it® Chrome

Discover it® Chrome

Discover
SCRA rate4%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
17.74% - 26.74% variable APR
  • 2% cash back at gas stations and restaurants (up to $1k/quarter combined)
  • 1% on all other purchases
Flagship Premier Visa Signature®

Flagship Premier Visa Signature®

Navy Federal Credit Union
SCRA rate4%
Fees during reliefWaived
Annual fee
$95
Ongoing APR
Not published
  • 4X points on all travel
  • 3X points on dining
Discover it® Balance Transfer

Discover it® Balance Transfer

Discover
SCRA rate4%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
17.74% to 26.74% variable APR
  • 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate
  • Plus, earn 1% cash back on all other purchases
T-Mobile Visa®

T-Mobile Visa®

Capital One
SCRA rate4%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
Not published
  • 2% in rewards on every purchase and 5% on T-Mobile phones, devices, and accessories.
SavorOne Rewards from Capital One

SavorOne Rewards from Capital One

Capital One
SCRA rate4%
Fees during reliefWaived
Annual fee
$39
Ongoing APR
Not published
  • 3% at grocery stores (excl. superstores), dining, entertainment, streaming
  • 8% Capital One Entertainment
GO REWARDS®

GO REWARDS®

Navy Federal Credit Union
SCRA rate4%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
13.74%-18%
  • 3X points at restaurants
  • 2X points on gas
QuicksilverOne Rewards

QuicksilverOne Rewards

Capital One
SCRA rate4%
Fees during reliefWaived
Annual fee
$39
Ongoing APR
Not published
  • Unlimited 1.5% cash back on every purchase
Quicksilver Rewards for Good Credit from Capital One

Quicksilver Rewards for Good Credit from Capital One

Capital One
SCRA rate4%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
Not published
  • Unlimited 1.5% cash back on all purchases
USAA Rewards™ American Express® Credit Card

USAA Rewards™ American Express® Credit Card

USAA
SCRA rate4%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
Not published
  • 3X points on dining
  • 2X points on groceries
VentureOne Rewards for Good Credit

VentureOne Rewards for Good Credit

Capital One
SCRA rate4%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
29.24% variable
  • 1.25 miles per dollar on every purchase
  • 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel. No foreign transaction fees.

Spark 1% Classic

Capital One
SCRA rate4%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
Not published
Bass Pro Shops and Cabela's CLUB Business card

Bass Pro Shops and Cabela's CLUB Business card

Capital One
SCRA rate4%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
Not published
American Express® Gold Card

American Express® Gold Card

American Express
SCRA rate6%
Fees during reliefWaived
Annual fee
$325
Ongoing APR
Not published
  • 4X Membership Rewards points at U.S. supermarkets (up to $25,000/year)
  • 4X at restaurants (up to $50,000/year)
The Platinum Card® from American Express

The Platinum Card® from American Express

American Express
SCRA rate6%
Fees during reliefWaived
Annual fee
$895
Ongoing APR
Not published
  • 5X points on flights booked directly with airlines or through American Express Travel®, on up to $500,000 per calendar year
  • 5X points booked at hotels on American Express Travel®
The Platinum Card® from American Express for Charles Schwab

The Platinum Card® from American Express for Charles Schwab

American Express
SCRA rate6%
Fees during reliefWaived
Annual fee
$895
Ongoing APR
Not published
  • 5X Membership Rewards® points for flights booked directly with airlines or through American Express Travel®, on up to $500,000 on these purchases per calendar year
  • 5X Membership Rewards® points on prepaid hotels booked with American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection
Blue Cash Preferred® Card

Blue Cash Preferred® Card

American Express
SCRA rate6%
Fees during reliefWaived
Annual fee
$95
Ongoing APR
19.74%-28.74%
  • 6% back at U.S. supermarkets on up to $6,000/year, then 1%
  • 6% on select streaming
JetBlue Plus Card

JetBlue Plus Card

Barclays
SCRA rate6%
Fees during reliefWaived
Annual fee
$99
Ongoing APR
19.74% to 29.74%
  • 6X points on eligible JetBlue purchases
  • 2X points at restaurants and eligible grocery stores
Wyndham Rewards Earner® Premier Card

Wyndham Rewards Earner® Premier Card

Barclays
SCRA rate6%
Fees during reliefWaived
Annual fee
$395
Ongoing APR
19.49%-29.99%
  • 8X on eligible purchases made at Hotels by Wyndham, including hotels through Wyndham Travel Bundles
  • 4X on eligible Vacation Club, travel, dining and grocery store purchases (excluding Target® and Walmart®)
Hilton Honors American Express Aspire Card

Hilton Honors American Express Aspire Card

American Express
SCRA rate6%
Fees during reliefWaived
Annual fee
$550
Ongoing APR
Not published
  • 14X Hilton Honors Bonus Points when you make eligible purchases on your Card at participating hotels or resorts within the Hilton Portfolio
  • 7X Points on purchases of flights booked directly with airlines or flights booked through American Express Travel, car rentals purchased directly from select car rental companies, and purchases at U.S. Restaurants
Delta SkyMiles® Gold American Express Card

Delta SkyMiles® Gold American Express Card

American Express
SCRA rate6%
Fees during reliefWaived
Annual fee
$150
Ongoing APR
Not published
  • 2X miles on dining at restaurants, including takeout and delivery in the U.S
  • 2X miles on groceries at U.S. supermarkets
Delta SkyMiles® Platinum American Express Card

Delta SkyMiles® Platinum American Express Card

American Express
SCRA rate6%
Fees during reliefWaived
Annual fee
$350
Ongoing APR
Not published
  • 3X miles on Delta purchases
  • 3X miles at hotels
JetBlue Premier Card

JetBlue Premier Card

Barclays
SCRA rate6%
Fees during reliefWaived
Annual fee
$499
Ongoing APR
19.74% to 29.74%
  • 6X points on eligible JetBlue purchases
  • 2X points at restaurants and eligible grocery stores
FRONTIER Airlines World Mastercard®

FRONTIER Airlines World Mastercard®

Barclays
SCRA rate6%
Fees during reliefWaived
Annual fee
$99
Ongoing APR
19.74% to 29.74%
  • 15X miles on eligible purchases at flyfrontier.com
  • 3X miles on eligible restaurant purchases
Hilton Honors American Express Surpass® Card

Hilton Honors American Express Surpass® Card

American Express
SCRA rate6%
Fees during reliefWaived
Annual fee
$150
Ongoing APR
Not published
  • 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio
  • 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations
U.S. Bank Shield™ Visa® Card

U.S. Bank Shield™ Visa® Card

U.S. Bank
SCRA rate6%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
17.24%–28.24%
  • 4% cash back on prepaid air, hotel and car reservations booked directly in the Travel Center when you use your card.
Hawaiian Airlines® World Elite Mastercard®

Hawaiian Airlines® World Elite Mastercard®

Barclays
SCRA rate6%
Fees during reliefWaived
Annual fee
$99
Ongoing APR
Not published
  • 3X miles on eligible Hawaiian Airlines and Alaska Airlines purchases
  • 2X miles on gas, dining and grocery store purchases
Miles & More® World Elite Mastercard®

Miles & More® World Elite Mastercard®

Barclays
SCRA rate6%
Fees during reliefWaived
Annual fee
$89
Ongoing APR
19.74%-29.74%
  • 2 miles per $1 spent on ticket purchases directly from Miles & More integrated airline partners (such as Lufthansa, SWISS, Austrian Airlines, and more)
  • 1 mile per $1 spent on all other purchases
U.S. Bank Altitude® Go Visa Signature® Card

U.S. Bank Altitude® Go Visa Signature® Card

U.S. Bank
SCRA rate6%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
17.74%–27.74%
  • 4X points on dining, takeout, food delivery (first $2,000 per quarter)
  • 2X grocery stores, gas stations/EV charging
Wyndham Rewards Earner® Plus Card

Wyndham Rewards Earner® Plus Card

Barclays
SCRA rate6%
Fees during reliefWaived
Annual fee
$95
Ongoing APR
19.49%-29.99%
  • 6x points on Hotels by Wyndham
  • 4x points on eligible Vacation Club, travel, dining and grocery store purchases (excluding Target® and Walmart®)
U.S. Bank Cash+® Visa Signature® Card

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank
SCRA rate6%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
17.99%–28.24%
  • 5% back on two chosen categories (fast food, utilities, TV and streaming, department stores, cell phone and electronic stores
  • 2% everyday categories like gas stations and EV charging stations, grocery stores or restaurants
Blue Cash Everyday

Blue Cash Everyday

American Express
SCRA rate6%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
19.74%-28.74%
  • 3% cash back at U.S. supermarkets (up to $6,000 annually, then 1%)
  • 3% cash back at U.S. gas stations and on online retail purchases (up to $6,000 annually, then 1%)
Breeze Easy™ Visa® Credit Card

Breeze Easy™ Visa® Credit Card

Barclays
SCRA rate6%
Fees during reliefWaived
Annual fee
$89
Ongoing APR
19.74%–29.74%
  • Up to 10X BreezePoints on Nicer Bundles, Nicest Bundles and Trip Add-Ons*, that’s 5X when you buy, plus 5X when you fly
  • Earn up to 4X BreezePoints on Nice Bundles, that’s 2X when you buy, plus 2X when you fly
Delta SkyMiles® Reserve American Express Card

Delta SkyMiles® Reserve American Express Card

American Express
SCRA rate6%
Fees during reliefWaived
Annual fee
$650
Ongoing APR
Not published
  • 3X Miles on Delta purchases
  • 1X Mile on other eligible purchases
Hilton Honors American Express Card

Hilton Honors American Express Card

American Express
SCRA rate6%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
Not published
  • 7X points at Hilton hotels and resorts
  • 5X at U.S. restaurants including takeout and delivery
Wyndham Rewards Earner® Card

Wyndham Rewards Earner® Card

Barclays
SCRA rate6%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
19.49%-29.99%
  • 5x points on Hotels by Wyndham
  • 3x on dining, grocery, gas & EV charging
Marriott Bonvoy Brilliant® American Express® Card

Marriott Bonvoy Brilliant® American Express® Card

American Express
SCRA rate6%
Fees during reliefWaived
Annual fee
$650
Ongoing APR
Not published
  • 6X points on Marriott Bonvoy® hotels
  • 3X points at restaurants and on flights booked with airlines
JetBlue Card

JetBlue Card

Barclays
SCRA rate6%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
19.74% to 29.74%
  • 3X points on eligible JetBlue purchases
  • 2X points at restaurants and eligible grocery stores
Emirates Skywards Rewards World Elite Mastercard®

Emirates Skywards Rewards World Elite Mastercard®

Barclays
SCRA rate6%
Fees during reliefWaived
Annual fee
$99
Ongoing APR
19.74%–29.74%
  • 3x Skywards Miles on eligible Emirates purchases
  • 2x Miles on airfare, hotel stays, and car rentals
SKYPASS Visa Signature® Card

SKYPASS Visa Signature® Card

U.S. Bank
SCRA rate6%
Fees during reliefWaived
Annual fee
$99
Ongoing APR
Not published
  • 2X miles per $1 spent on Korean Air ticket purchases
  • 2X miles on hotels
Marriott Bonvoy Bevy® American Express® Card

Marriott Bonvoy Bevy® American Express® Card

American Express
SCRA rate6%
Fees during reliefWaived
Annual fee
$250
Ongoing APR
Not published
  • 6X points at Marriott
  • 4X at restaurants/U.S. supermarkets (up to $15k/year, then 2X)
Skypass Select Visa Signature® Card

Skypass Select Visa Signature® Card

U.S. Bank
SCRA rate6%
Fees during reliefWaived
Annual fee
$450
Ongoing APR
Not published
  • 3X miles on Korean Air
  • 2X miles per $1 spent on other airlines
Carnival Rewards™ Mastercard®

Carnival Rewards™ Mastercard®

Barclays
SCRA rate6%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
18.74% to 29.74%
  • 3X Carnival Rewards Points on Carnival purchases (That’s in addition to the 3X you already earn with Carnival Rewards)
  • 2X Carnival Rewards Points at Restaurants & eligible Grocery stores (excluding Target and Walmart)
Delta SkyMiles® Blue American Express Card

Delta SkyMiles® Blue American Express Card

American Express
SCRA rate6%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
Not published
  • 2X miles on Delta purchases
  • 2X miles on dining at restaurants including takeout and delivery
Upromise World Mastercard

Upromise World Mastercard

Barclays
SCRA rate6%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
18.74%-29.74%
  • Earn 1.529% Cash Back Rewards when linked to an eligible College Savings Plan
  • 1.25% cash back if not linked.
AARP® Essential Rewards Mastercard® from Barclays

AARP® Essential Rewards Mastercard® from Barclays

Barclays
SCRA rate6%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
20.49%–29.99%
  • Earn unlimited 3% cash back on gas and drug store purchases (excluding Target® and Walmart®)
  • Unlimited 2% Cash Back on eligible medical expenses
Priceline VIP Rewards™ Visa Card

Priceline VIP Rewards™ Visa Card

Barclays
SCRA rate6%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
19.74%-29.99%
  • Earn 5X points for every $1 spent on Priceline bookings
  • 10X points on Avis and Budget Car Rentals
U.S. Bank Altitude® Connect Visa Signature® Card

U.S. Bank Altitude® Connect Visa Signature® Card

U.S. Bank
SCRA rate6%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
17.49%-27.49%
  • 5X points on prepaid hotels/car rentals via Travel Center
  • 4X on gas/EV (first $1k/quarter)
Princess® Rewards Visa® Card

Princess® Rewards Visa® Card

Barclays
SCRA rate6%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
18.74%-29.74%
  • 2X points on Princess purchases including onboard purchases
  • 1X all other
Emirates Skywards Premium World Elite Mastercard®

Emirates Skywards Premium World Elite Mastercard®

Barclays
SCRA rate6%
Fees during reliefWaived
Annual fee
$499
Ongoing APR
19.74%-29.74%
  • 3x Skywards Miles per $1 spent on eligible Emirates purchases
  • 2x Skywards Miles per $1 spent on eligible travel purchases
Samsung Galaxy Card

Samsung Galaxy Card

Barclays
SCRA rate6%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
Not published
  • 5% cash rewards on all in-store or online purchases made directly from Samsung in the U.S.
  • 3% cash rewards on purchases using Samsung Wallet
SKYPASS SkyBlue Visa® Card

SKYPASS SkyBlue Visa® Card

U.S. Bank
SCRA rate6%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
Not published
  • 2X miles per $1 spent on streaming services like Netflix and Spotify
  • 2X miles on rideshare such as Uber and Lyft
U.S. Bank Smartly™ Visa Signature® Credit Card

U.S. Bank Smartly™ Visa Signature® Credit Card

U.S. Bank
SCRA rate6%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
18.49%–28.49%
  • Unlimited 2% cash back on all purchases
RCI® Elite Rewards® World Mastercard®

RCI® Elite Rewards® World Mastercard®

Barclays
SCRA rate6%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
19.49%-29.74%
  • 5X Rewards for every $1 spent on all eligible RCI purchases
  • 2X Rewards for every $1 spent on all eligible travel including rideshare, gas, and EV charging purchases
Capital Vacations® World Mastercard®

Capital Vacations® World Mastercard®

Barclays
SCRA rate6%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
19.24%–29.49%
  • 5X Rewards for every $1 spent on all eligible Capital Vacations purchases
  • 2X Rewards for every $1 spent on all eligible RCI and travel-related purchases
GM Rewards® Mastercard™

GM Rewards® Mastercard™

Barclays
SCRA rate6%
Fees during reliefWaived
Annual fee
$0
Ongoing APR
Not published
Bank of America® Customized Cash Rewards for Students

Bank of America® Customized Cash Rewards for Students

Bank of America
SCRA rate6%
Fees during reliefNot published
Annual fee
$0
Ongoing APR
17.74%-27.74%
  • 6% cash back first year in choice category (then 3%)
  • 2% at grocery stores and wholesale clubs
Atmos™ Rewards Ascent Visa Signature®

Atmos™ Rewards Ascent Visa Signature®

Bank of America
SCRA rate6%
Fees during reliefNot published
Annual fee
$95
Ongoing APR
Not published
  • Unlimited 3 points for every $1 spend on eligible Alaska Airlines and Hawaiian Airlines purchases
  • Unlimited 2 points for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit purchases, including rideshare
Bank of America® Unlimited Cash Rewards credit card

Bank of America® Unlimited Cash Rewards credit card

Bank of America
SCRA rate6%
Fees during reliefNot published
Annual fee
$0
Ongoing APR
17.74%–27.74%
  • Unlimited 1.5% cash back on all purchases.
Bank of America® Customized Cash Rewards Credit Card

Bank of America® Customized Cash Rewards Credit Card

Bank of America
SCRA rate6%
Fees during reliefNot published
Annual fee
$0
Ongoing APR
17.74%–27.74%
  • 3% cash back + 3% first-year cash back bonus in the category of your choice including gas and EV charging station, online shopping/cable/streaming/internet/phone plans, dining, travel, drug store/pharmacy, or home improvement/furnishings purchases
  • 2% cash back at grocery stores and wholesale clubs
Air France KLM World Elite Mastercard®

Air France KLM World Elite Mastercard®

Bank of America
SCRA rate6%
Fees during reliefNot published
Annual fee
$89
Ongoing APR
Not published
  • 3 Miles per $1 spent directly on Air France, KLM, and other SkyTeam member airlines
  • 1.5 Miles per $1 spent on all other purchases
Atmos™ Rewards Summit Visa Infinite® Credit Card

Atmos™ Rewards Summit Visa Infinite® Credit Card

Bank of America
SCRA rate6%
Fees during reliefNot published
Annual fee
$395
Ongoing APR
Not published
  • 3 points per $1 on Alaska Airlines, Hawaiian Airlines, foreign transactions and dining
  • 1 point on all other purchases. Plus, earn a 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account
Wells Fargo Reflect® Card

Wells Fargo Reflect® Card

Wells Fargo
SCRA rate6%
Fees during reliefNot published
Annual fee
$0
Ongoing APR
17.74%, 24.24% or 28.49% variable APR
BankAmericard® Credit Card

BankAmericard® Credit Card

Bank of America
SCRA rate6%
Fees during reliefNot published
Annual fee
$0
Ongoing APR
15.24%–26.24%
  • none
Autograph Journey℠ Card

Autograph Journey℠ Card

Wells Fargo
SCRA rate6%
Fees during reliefNot published
Annual fee
$95
Ongoing APR
Not published
  • 5X points with hotels
  • 4X points with airlines
Wells Fargo Active Cash®

Wells Fargo Active Cash®

Wells Fargo
SCRA rate6%
Fees during reliefNot published
Annual fee
$0
Ongoing APR
18.74%, 24.74% or 28.74%
  • 2% back on all purchases
Wells Fargo Autograph® Card

Wells Fargo Autograph® Card

Wells Fargo
SCRA rate6%
Fees during reliefNot published
Annual fee
$0
Ongoing APR
18.74%, 24.74% or 28.74% variable APR
  • 3X points on restaurants, dine in, take-out, catering and delivery, gas stations and transit including electrical vehicle charging stations, subways, ride shares, parking and tolls
  • popular streaming services & phone plans
Royal ONE Plus™ Visa Signature® Credit Card

Royal ONE Plus™ Visa Signature® Credit Card

Bank of America
SCRA rate6%
Fees during reliefNot published
Annual fee
$99
Ongoing APR
Not published
  • 4 points per dollar spent on eligible Royal Caribbean®, Celebrity Cruises® and Silversea® purchases
  • 2 points per dollar spent on eligible airline, hotel, dining, grocery, gas and EV charging station purchases
Royal ONE™ Visa Signature® Credit Card

Royal ONE™ Visa Signature® Credit Card

Bank of America
SCRA rate6%
Fees during reliefNot published
Annual fee
$0
Ongoing APR
Not published
  • 3 points per dollar spent on eligible Royal Caribbean®, Celebrity Cruises® and Silversea® purchases
  • 2 points per dollar spent on eligible grocery, gas and EV charging station purchases
Choice Privileges® Select Mastercard®

Choice Privileges® Select Mastercard®

Wells Fargo
SCRA rate6%
Fees during reliefNot published
Annual fee
$95
Ongoing APR
Not published
  • 10X points at Choice Hotels
  • 5X on gas/grocery
Bank of America® Unlimited Cash Rewards for Students

Bank of America® Unlimited Cash Rewards for Students

Bank of America
SCRA rate6%
Fees during reliefNot published
Annual fee
$0
Ongoing APR
17.74%-27.74%
  • 2% cash back on all purchases first year, then unlimited 1.5%
Allways Rewards Visa® Card

Allways Rewards Visa® Card

Bank of America
SCRA rate6%
Fees during reliefNot published
Annual fee
$59
Ongoing APR
Not published
  • 3 points per $1 spent on Allegiant purchases (air, hotel, car rental and attractions)
  • 2 points per $1 spent on qualifying dining purchasesl 1 point per $1 spent on all other purchases
Bank of America® Premium Rewards® Credit Card

Bank of America® Premium Rewards® Credit Card

Bank of America
SCRA rate6%
Fees during reliefNot published
Annual fee
$95
Ongoing APR
Not published
  • 2 points per $1 on travel and dining
  • 1.5 points per $1 on all other purchases
Choice Privileges® Mastercard

Choice Privileges® Mastercard

Wells Fargo
SCRA rate6%
Fees during reliefNot published
Annual fee
$0
Ongoing APR
Not published
  • 5X points at Choice Hotels + on Choice point purchases
  • 3X on gas, grocery, home improvement and phone plans
AAA Cashback Visa Signature® Card

AAA Cashback Visa Signature® Card

Bread Financial (Comenity)
SCRA rate6%
Fees during reliefNot published
Annual fee
$0
Ongoing APR
Not published
  • 3% cash back at grocery stores, gas stations and dining
  • 2% AAA + Travel + Insurance: AAA Membership, travel and insurance
Norwegian Cruise Line® World Mastercard®

Norwegian Cruise Line® World Mastercard®

Bank of America
SCRA rate6%
Fees during reliefNot published
Annual fee
$0
Ongoing APR
Not published
  • 3 WorldPoints® points for every $1 spent on Norwegian purchases
  • 2 WorldPoints® points per $1 spent on eligible air and hotel purchases
Bank of America® Travel Rewards Credit Card

Bank of America® Travel Rewards Credit Card

Bank of America
SCRA rate6%
Fees during reliefNot published
Annual fee
$0
Ongoing APR
17.74%-27.74%
  • 1.5 points per $1 on all purchases
Bank of America® Premium Rewards® Elite Credit Card

Bank of America® Premium Rewards® Elite Credit Card

Bank of America
SCRA rate6%
Fees during reliefNot published
Annual fee
$550
Ongoing APR
Not published
  • 2 points per $1 on travel and dining
  • 1.5 points per $1 on all other purchases
Bread Cashback™ American Express® Credit Card

Bread Cashback™ American Express® Credit Card

Bread Financial (Comenity)
SCRA rate6%
Fees during reliefNot published
Annual fee
$0
Ongoing APR
Not published
  • Unlimited 2% cash back
Bank of America® Travel Rewards Credit Card for Students

Bank of America® Travel Rewards Credit Card for Students

Bank of America
SCRA rate6%
Fees during reliefNot published
Annual fee
$0
Ongoing APR
17.74%-27.74%
  • 1.5 points per $1 on all purchases
Bread Rewards™ American Express® Credit Card

Bread Rewards™ American Express® Credit Card

Bread Financial (Comenity)
SCRA rate6%
Fees during reliefNot published
Annual fee
$0
Ongoing APR
Not published
  • 3X points on gas, groceries, dining & utilities
  • 1X all others

One Key® Card

Wells Fargo
SCRA rate6%
Fees during reliefNot published
Annual fee
$0
Ongoing APR
Not published

What each card issuer offers servicemembers

11 issuers, read on each issuer’s own site

IssuerRate on balances from before active dutyFees while the cap appliesCards opened during active dutyHow to askSource
American Express6% APRAnnual, late and returned payment fees count toward the 6% cap and are not charged while relief applies.Not covered (MLA applies)Online upload in the Document Center, phone 1-866-391-1460, fax or mail, with orders or a commanding officer letter.Issuer page
Checked November 8, 2026
Bank of America6% APRNot publishedNot publishedRequest benefits on the Bank of America military banking page with a copy of your federal orders.Issuer page
Checked November 8, 2026
Barclays6% APRAnnual and late fees waived, and fees and interest charged before your request refunded.Not publishedSign in and choose SCRA Request on the Barclays SCRA help page. One request covers all your Barclays card and loan accounts.Issuer page
Checked November 8, 2026
Bread Financial (Comenity)6% APRNot publishedNot publishedCall 1-855-463-0222, fax or mail your orders or a commanding officer letter.Issuer page
Checked November 8, 2026
Capital One4% APRNo fees charged on covered accounts except bona fide insurance.Not covered (MLA applies)Online form on the Capital One military page, mail or any Capital One or Discover branch, with orders or a commanding officer letter.Issuer page
Checked November 8, 2026
ChaseNot publishedNot publishedNot publishedSecure message on chase.com (choose SCRA) with your orders, or call Chase Military Services at 1-877-469-0110.Issuer page
Checked November 8, 2026
Discover4% APRNo fees charged on covered accounts except bona fide insurance (Capital One program).Not covered (MLA applies)Use the Capital One SCRA request, which covers Discover cards, or call 1-844-337-4645.Issuer page
Checked November 8, 2026
Navy Federal Credit Union4% APRAccount fees waived on debt from before active duty.Not covered (MLA applies)eMessage (Attn: SCRA) in online banking or the app, a branch, fax or mail.Issuer page
Checked November 8, 2026
U.S. Bank6% APRAll fees waived while you are on active duty.Not publishedUpload orders in online banking or the app (Manage cards), fax, mail or call 800-934-9555.Issuer page
Checked November 8, 2026
USAA4% APRAccount fees waived; they come back when benefits end.Not covered (MLA applies)Apply on the USAA SCRA page. USAA checks your service with the Defense Department and asks for documents only if needed.Issuer page
Checked November 8, 2026
Wells Fargo6% APRNot publishedNot publishedUpload orders in Wells Fargo Online, fax, mail or visit a branch.Issuer page
Checked November 8, 2026

Cards from military banks and credit unions

12 cards, by our overall score. Membership rules apply; see each issuer.

CardIssuerSCRA rateAnnual feeOngoing APROverall score
Eagle Ascend™ Credit CardUSAA4%$0Not published83
cashRewards SecuredNavy Federal Credit Union4%$0Not published81
PlatinumNavy Federal Credit Union4%$0Not published65
Eagle Adapt™ Credit CardUSAA4%$016.40%-26.40%63
cashRewards PlusNavy Federal Credit Union4%$0Not published60
Navy Federal More Rewards American Express® CardNavy Federal Credit Union4%$0Not published59
USAA® Cashback Rewards Plus American Express® Credit CardUSAA4%$015.40%-27.40%58
cashRewardsNavy Federal Credit Union4%$014.40% to 18.00% variable APR54
Eagle Navigator™ Credit CardUSAA4%$95Not published53
Flagship Premier Visa Signature®Navy Federal Credit Union4%$95Not published50
GO REWARDS®Navy Federal Credit Union4%$013.74%-18%39
USAA Rewards™ American Express® Credit CardUSAA4%$0Not published33

Who can join each military bank and credit union: Your Best Savings.

Before active duty: SCRA

Card debt from before you were called up is capped at 6% a year once you send the issuer your orders. 4 issuers here cap it lower.

During active duty: MLA

New credit opened while you serve is limited to a 36% all-in rate, counting most fees. The SCRA rate cap does not apply to it.

After you separate

The rate goes back to the card’s normal APR when your service ends, and waived fees start again. You have 180 days after service to ask for any relief you missed.

How we built this list

Each issuer’s SCRA terms come from its own servicemember or military benefits page, linked in the table with the date we read it. The ranked cards are every live consumer card in our database from an issuer that publishes its SCRA rate. They are ordered by that rate, lowest first. Ties go to issuers that also waive fees while the cap applies, then to our overall score. Store cards, business cards, secured cards and credit-builder cards are left out; see Your Best Credit Builder for those. Issuers that don’t publish a rate are listed in the table but not ranked. No issuer pays for a place on this page, and partner links never change the order. See our methodology.

Military Credit Card FAQ

What is the difference between the SCRA and the MLA?

The SCRA covers debt you took on before active duty: once you send your orders, the lender must cap the rate at 6% a year, including most fees, for the time you serve, and forgive the interest above that. The MLA covers credit you take out during active duty: the all-in cost (the Military Annual Percentage Rate, which counts most fees) can’t be more than 36%.

Which card issuers cap SCRA rates below 6%?

Capital One (4%), Discover (4%), Navy Federal Credit Union (4%) and USAA (4%), by each issuer’s own servicemember page. The rest of the issuers in our table that publish a number use the 6% legal limit.

How much does the SCRA save on a credit card?

On a $5,000 balance at 18.74% (the median ongoing APR of the cards ranked here), one year at the 6% cap saves about $637 in interest, and one year at 4% saves about $737. Try your own balances in the SCRA calculator.

Do SCRA benefits apply to cards opened while on active duty?

No. The law covers only debt from before active duty, and American Express, Capital One, Discover, Navy Federal Credit Union and USAA say so on their own pages. Cards opened during service fall under the MLA’s 36% limit instead. That is why the card you hold before your orders arrive matters.

Which issuers waive fees under the SCRA?

American Express, Barclays, Capital One, Discover, Navy Federal Credit Union, U.S. Bank and USAA say they stop charging some or all fees on covered accounts while the rate cap applies. The table above lists which fees each one names.

Who can get SCRA benefits?

Active-duty members of the armed forces, National Guard members on federal orders for more than 30 days, Reserve members called to active duty, and commissioned officers of the Public Health Service and NOAA on active service. The debt must be in the servicemember’s name, alone or jointly with a spouse.

How do I ask for SCRA benefits?

Send the issuer a copy of your orders (or a letter from your commanding officer) through its servicemember page, phone line or secure message. You have up to 180 days after leaving active duty to ask, and the rate cap reaches back to the date your service began. Each issuer’s method is in the table above.

Why do some issuers show “Not published”?

Chase don’t state an SCRA rate on the pages we could read. They still must follow the 6% legal limit; ask the issuer for its exact terms.

How often is this page updated?

Card data rebuilds whenever it changes in our database. Issuer policies were last checked November 8, 2026; each row shows its own date. Confirm terms with the issuer before you apply.

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Best credit cards →Best no annual fee cards →Best banks and credit unions for military (Your Best Savings) →SCRA interest savings calculator (Your Best Loan Rates) →VA mortgage rates (Your Best Loan Rates) →