Military

Military credit cards offer some of the lowest interest rates around, and are generally only available if you or a family member works for the department of defense. It's not uncommon to see military credit unions offer APRs below 10%, or to offer friendly terms like a longer grace period or greater flexibility if you're deployed overseas. If you or a family member serves in the military (or works for the Department of Defense, Homeland Security, and the like), you may be eligible for quite a few military credit unions. Eligibility can be as broad as an affiliation with the DoD, or as specific as serving on a particular base. The USAA and Navy Federal Credit Union offer some of the lowest APRs out there, while Pentagon Federal Credit Union offers stellar rewards. Below you'll find a list of military credit union offerings as well as those from Bank of America's military banking arm.

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Credit Card Annual Fee *Rewards Rate Sign Up Bonus Interest Rates
Pentagon Federal Credit Union Defender Visa Signature Credit Card

PenFed Gold Visa® Card

Show Details
" 0.00% None

Ongoing
12.49%

Intro
4.99% for 12 mos on transfers

Apply Now

on Pentagon Federal Credit Union's
secure website

thumbsupPros
  • No late fee
  • No annual fee
  • 4.99% for 12 mos on transfers
  • No foreign transaction fee
thumbsdownCons
  • No rewards
Account Details

  • You must be a PenFed member to apply. Not yet a member? It's easy to join!
  • You may be eligible through your employment, association membership, and volunteerism, or by becoming a member of one of our nonprofit partner organizations.
  • 4.99% APR promotional balance transfer rate for 12 Months on Balance Transfers made between November 01, 2014 through December 31, 2014. After that, the APR for the unpaid balance and any new balance transfers will vary with the market based on the Prime Rate, and is currently 12.49%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval.
  • Cash rewards automatically awarded to your account every month
  • No annual fee, no foreign transaction fee, no cash advance fee
  • LIMITED TIME OFFER: $100 Statement Credit when you spend $1,500 in card purchase transactions within 3 months of the account open date. This offer is available for new accounts issued through December 31, 2014**
  • Emergency card replacement
  • Automobile rental insurance
  • $100,000 travel accident insurance

See complete PenFed Gold Visa® Card details

USAA Cash Rewards American Express Credit Card

Cash Rewards® American Express® Card

Show Details
$0 1.00% None

Ongoing
9.90%-25.90% Variable

Intro
0% for 12 mos on transfers

Apply Now

on USAA's
secure website

thumbsupPros
  • Bonus cash back categories
  • No annual fee
  • 0% for 12 mos on transfers
Account Details

  • Earn up to 2.25% cash back on gas and grocery purchases all the time.
  • Earn up to 1.25% cash back for all other purchases.
  • There's no limit on the amount you can earn.
  • Cash rebates are awarded annually in January.

See complete Cash Rewards® American Express® Card details

USAA Cash Rewards Visa Credit Card

Cash Rewards® Visa®

Show Details
$0 1.00% None

Ongoing
9.90%-25.90% Variable

Intro
0% for 12 mos on transfers

Apply Now

on USAA's
secure website

thumbsupPros
  • No annual fee
  • 0% for 12 mos on transfers
Account Details

  • Earn up to 1.25% cash back on your everyday purchases.
  • There's no limit on the amount you can earn.
  • Cash rebates are awarded annually in January.

See complete Cash Rewards® Visa® details

USAA Cash Rewards World MasterCard with Chip Technology Credit Card

Cash Rewards® World MasterCard® with Chip Technology

Show Details
$0 0.00% None

Ongoing
9.90%-25.90% Variable

Intro
0% for 12 mos on transfers

Apply Now

on USAA's
secure website

thumbsupPros
  • No annual fee
  • 0% for 12 mos on transfers
thumbsdownCons
  • No rewards
Account Details

  • Earn up to 1.25% cash back on your everyday purchases.
  • There's no limit on the amount you can earn.
  • Cash rebates are awarded annually in January.

See complete Cash Rewards® World MasterCard® with Chip Technology details

USAA Cashback Rewards Plus American Express Card Credit Card

Cashback Rewards Plus American Express® Card

Show Details
$0 the first year, then $0 1.00% None

Ongoing
11.90%-25.90% Variable

Intro
None

Apply Now

on USAA's
secure website

thumbsupPros
  • Bonus cash back categories
  • No annual fee
Account Details

  • Earn 5% cash back on up to $3,000 in gasoline purchases per year.
  • Earn 2% cash back on up to $3,000 in supermarket purchases per year.
  • Earn 1% cash back on all other purchases with no cap.
  • Rebates are awarded every January for the purchases made the previous 12 months.
  • Special Benefits for Military: Deployment/PCS rate: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the regular APR, currently between 11.90% to 25.90%, will apply. This rate will vary with the market based on the prime rate.
  • Security Benefits: Chip technology has added security and greater acceptance worldwide. Identity theft resolutions services provides assistance should you become the victim of identity theft.

See complete Cashback Rewards Plus American Express® Card details

Pentagon Federal Credit Union Defender Credit Card

PenFed Defender American Express® Card

Show Details
$0 0.00% None

Ongoing
8.99% Variable

Intro
4.99% for 12 mos on transfers

Apply Now

on Pentagon Federal Credit Union's
secure website

thumbsupPros
  • No late fee
  • No annual fee
  • 4.99% for 12 mos on transfers
  • No foreign transaction fee
thumbsdownCons
  • No rewards
Account Details

  • Must be in military service, the National Guard, the Reserves, Retired, or an honorably discharged Veteran of the United States Military to apply. 
  • Low rate of 8.99% APR for purchases and cash advances. Your APR will vary with the market based on the Prime Rate.
  • 4.99% APR promotional balance transfer rate for 12 Months on transfers made from November 01, 2014 through December 31, 2014 with no balance transfer fee. After that, the APR for the unpaid balance and any new balance transfers will vary with the market based on the Prime Rate, and is currently 8.99%. This transaction is subject to credit approval.
  • 1.5% cash back on every purchase
  • Rewards are unlimited and cash back is automatically credited to your account every month
  • Absolutely no fees - no annual fee, no foreign transaction fee, no balance transfer fee, no cash advance fee, no late fee, no over credit limit fee, and no penalty fee.

See complete PenFed Defender American Express® Card details

Pentagon Federal Credit Union Platinum Cashback Credit Card

PenFed Platinum Cash Rewards Visa® Card

Show Details
$0 3% Cash Back on Gas Perchases at the Pump None

Ongoing
9.99% Variable

Intro
9.99% for mos on purchases
4.99% for 12 mos on transfers

Apply Now

on Pentagon Federal Credit Union's
secure website

thumbsupPros
  • Bonus cash back categories
  • No annual fee
  • 4.99% for 12 mos on transfers
  • No foreign transaction fee
thumbsdownCons
  • No rewards
  • Needs excellent credit
Account Details

  • You must be a PenFed member to apply. Not yet a member? It's easy to join!
  • You may be eligible through your employment, association membership, and volunteerism, or by becoming a member of one of our nonprofit partner organizations.
  • 4.99% APR promotional balance transfer rate for 12 Months on Balance Transfers made between November 01, 2014 through December 31, 2014.  After that, the APR for the unpaid balance and any new balance transfers will vary with the market based on the Prime Rate, and is currently 9.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval.
  • Cash rewards automatically awarded to your account every month
  • No caps, limits or tiers on rewards
  • Automobile rental insurance
  • $100,000 travel accident insurance

See complete PenFed Platinum Cash Rewards Visa® Card details

USAA Cash Rewards World MasterCard Credit Card

Preferred Cash Rewards® World MasterCard®

Show Details
$0 the first year, then $0 1.50% None

Ongoing
11.90%-25.90% Variable

Intro
None

Apply Now

on USAA's
secure website

thumbsupPros
  • High rewards rate
  • No annual fee
Account Details

  • Earn 1.5% cash back on your everyday purchases.
  • Cash rebates are credited to your account annually.
  • There's no limit on the amount you can earn.
  • Special Benefits for Military: Deployment/PCS rate: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the regular APR, currently between 11.90% and 25.90% , will apply. This rate will vary with the market based on the prime rate.
  • Security Benefits: Chip technology has added security and greater acceptance worldwide. Identity theft resolutions services provides assistance should you become the victim of identity theft.

See complete Preferred Cash Rewards® World MasterCard® details

USAA 1st Calvary Division Association Credit Card

USAA 1st Calvary Division Association

Show Details
$0 1.00% None

Ongoing
10.90%-25.90% Variable

Intro
0% for 12 mos on purchases

Apply Now

on USAA's
secure website

thumbsupPros
  • No annual fee
Account Details

  • Earn 1 point for every purchase.
  • No annual fee and zero liability for unauthorized transactions.
  • Choose from cash, gift cards and travel rewards.

See complete USAA 1st Calvary Division Association details

USAA Air Force Association Credit Card

USAA Air Force Association

Show Details
$0 1.00% None

Ongoing
10.90%-25.90% Variable

Intro
0% for 12 mos on purchases

Apply Now

on USAA's
secure website

thumbsupPros
  • No annual fee
Account Details

  • 2,500 bonus points credited to your account with your first purchase.
  • Earn one point for every dollar in purchases with no cap or expiration date on points.

See complete USAA Air Force Association details

* These values are NerdWallet's estimates and do not represent content provided by or commissioned by credit card providers.