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Military STAR Card

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Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 12.24% Variable, 0.00% for Military Clothing Plan purchases

Military STAR Card

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features


  • 2X points per dollar spent on all purchases


10% discount for purchases within 24 hours of receiving your card

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR 20.24% Variable
Late Fee N/A
Returned Payment Fee Up to $25
Additional Cards Annual Fee N/A
Foreign Transaction Fee N/A
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR N/A
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card
Military STAR Card


  • Card can only be used at on-base exchanges, gas stations, commissaries, clothing/uniform shops, and certain other locations
  • Only available to military members, veterans, and family dependents
  • If approved, your credit scores do not determine your purchase APR
  • No interest on military clothing
  • Must make a purchase once every 12 months or your rewards will expire
  • 2X points per dollar on all purchases
  • 10% discount for purchases within 24 hours of receiving your card
  • 10% military food court discount
  • No late or over-limit fees
  • No annual fee

Exchange Credit Program

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-877-891-7827 or

Try a different phone number

The Military STAR Card is a limited-use rewards credit card exclusively available to military personnel, veterans, and their families who have Military Exchange access.

The STAR Card is only accepted at on-base exchanges, gas stations, commissaries, clothing/uniform stores, mini shops, and some other locations.

You’ll get 2X points per dollar for all purchases, and a 10% discount for purchases the first day you get your card.

Everyone who is approved for the card will receive the same low APR, regardless of what your credit scores are, and you won’t pay any interest when buying military clothing.

If you have this card while you’re deployed, you can still use it for purchases but you won’t be required to make monthly payments and you’ll maintain a 6% temporary interest rate.

Some other benefits include a 10% food court discount, five-cent-per-gallon fuel discount at military gas stations, and free shipping with some exchanges.

No annual, late, or over-limit fees.

You can NOT use this card for off-base purchases with civilian retailers. Your card must be paid off at the time of separation from the military, and the military can directly take money out of your bank account for missed payments.