Our favorite credit cards for military members!

These are our favorite credit cards, and every card on this list waives the annual for active duty military members, their spouses, and any dependents age 18+!

More points, more miles, and more travel—all for free😌

American Express Membership Rewards Cards

American Express Platinum

$695 Annual Feewaived for AD military and spouses

The #1 credit card for military members, this is the holy grail of credits, benefits, airport lounge access, and elite status. $200 airline fee credit, $200 hotel credit, $200 Uber Cash, $240 Digital Entertainment Credit, ClearPlus, Global Entry…need I go on?

American Express Gold

$325 Annual Fee – waived for AD military and spouses

The perfect companion card to the Amex Platinum, this card is your daily driver, earning 4x points at US grocery stores, restaurants worldwide, and commissaries overseas! $84 Dunkin’ credits (including Dunkin’s on base overseas), $120 Uber Cash, and all your points combine with your Platinum.

American Express Green

$150 Annual Feewaived for AD military and spouses

Excellent companion to the Amex Gold and Amex Platinum. Earn 3x on all travel and restaurants worldwide! Plus a $199 annual Clear Credit to help you zip through security lines. After a year, upgrade your Green to another Platinum card to really rake in the rewards…

American Express Hilton Cards

American Express Hilton Aspire

$550 Annual Feewaived for AD military and spouses

Arguably the best hotel card in the points and miles world, giving you Hilton Diamond status, $400 hotel credit, $200 flight credit, free breakfast, free room upgrades, and an annual free night certificate that can be used at any Hilton property around the world. Even if you weren’t military and had to pay the annual fee, this card should still be in your wallet.

American Express Hilton Surpass

$150 Annual Feewaived for AD military and spouses

Great card to earn a hefty welcome offer, especially if you already have an Aspire. Gives you $200 in annual Hilton credit, $200 airline credit, and if you spend $15,000, you’ll also earn a free night certificate that can be used at any Hilton or SLH-partnered hotels. After a year, upgrade your Surpass to another Aspire, and let the rewards roll…

American Express Hilton Honors

No Annual Fee!

This card comes with a very easy-to-hit welcome offer worth several hundred dollars. But the best perk is being able to upgrade this card to another Hilton Aspire once you’ve had the card for 12 months. Open the Hilton Honors, then the Surpass, then the Aspire, and a year from now, you can upgrade your Honors and Surpass to Aspires and really start to reap the benefits…

American Express Marriott Cards

American Express Marriott Bonvoy Brilliant

$650 Annual Feewaived for AD military and spouses

The Bonvoy Brilliant is a close contender for best hotel credit card! It gives you Platinum Elite Status, the highest elite status you can get with a Marriott card. $300 a year in restaurant credits, and an 85,000 pt annual free night certificate…you’ll be wining and dining at the Ritz-Carlton for free every year with just this one Marriott card. For a really powerful combo, also open a Chase Marriott card and upgrade it to a Ritz-Carlton card…

American Express Marriott Bevy

$250 Annual Feewaived for AD military and spouses

Earn 6x Marriott points at Marriott hotels, 4x at restaurants and U.S. supermarkets (commissaries OCONUS code as U.S. supermarkets!). This card also offers Marriott Gold status, and if you spend $15k in a calendar year, you’ll earn a 50k free night certificate. Best perk is hands down being able to upgrade this to another Brilliant after you’ve had the card for 12 months.

American Express Delta Cards

American Express Delta Reserve

$650 Annual Feewaived for AD military and spouses

Start with a $2,500 MQD headstart every year. Plus $240 in Resy credits every year. Get a 15% discount on award bookings, and access to Delta SkyLounges, Centurion Lounges. Comes with Hertz President’s Circle status and a $200 annual Delta Stays credit–great for finding hotels in places that don’t have big chains. Best of all, after renewal, you’ll earn an annual companion certificate that lets you bring a companion on any First Class, Comfort+, or Main Cabin ticket in the US, Caribbean, or Central America! If you’re a military spouse/dependent, this card offers first checked bag free.

American Express Delta Platinum

$350 Annual Feewaived for AD military and spouses

Also comes with a $2,500 MQD headstart every year that stacks with your Delta Reserve or either the Delta Business Reserve or Business Platinum. With a Delta Reserve and a Delta Platinum, you’ll start every year as Delta Silver status, and with both business cards, you’d start as Delta Gold every year! This card also offers an annual companion certificate good for domestic Main Cabin bookings! You also get a 15% award booking discount and a $150 annual Delta Stays credit that’s great for getting a hotel where big chains aren’t available. The $10/mo Rideshare Credit might be useful to some. If you’re a military spouse/dependent, this card offers first checked bag free.

American Express Delta Gold

$$0 introductory annual fee for the first year, then $150waived for AD military and spouses

Get a free checked bag for you and every person on your itinerary! Comes with a $100 Delta Stays credit, great for getting a hotel where big chains aren’t available. You’ll also get 20% back on in-flight purchases. This is a great card to open, earn the welcome offer, then upgrade to a second Delta Reserve. The ultimate hack for Delta fanatics would be open the Blue, then the Gold, then the Platinum, then the Reserve. Earn welcome offers on them all, then upgrade them all to Reserves after 12 months. Then let the recurring benefits roll…🤤

American Express Delta Blue

No Annual Fee!

There’s a reason you’ve probably never heard of this card… the only prominent features are a super easy welcome offer, no foreign transaction fees (which is noteworthy because it’s a no annual fee card), and the 20% inflight purchase rebate. If you want multiple Delta Reserves, though, open this card, then the Gold, then the Platinum, then the Reserve, then upgrade all of them to Reserves after 12 months. Then you’ll be rolling in the dough big time.

Chase Ultimate Rewards Cards

Chase Sapphire Reserve

$550 Annual Feewaived for AD military and spouses

The Visa Infinite card that never lets you down. Everyone around the world that takes credit cards takes Visa. Combined with 3x points at restaurants and all travel worldwide, airport lounge access, and a $300 annual travel credit, this is your go-to card if you’re stationed OCONUS or traveling.

Chase Freedom Unlimited

No Annual Fee!

Easiest 20,000 point welcome offer on the market, plus earn 3x points on dining and drugstores, and 1.5x points everywhere! These points can be combined with your Chase Sapphire Reserve, where you can transfer points to partners like Hyatt and United to get outsized value. And once you’ve had the card for 12 months, you can upgrade it to another Sapphire Reserve…

Chase Freedom Flex

No Annual Fee!

Easiest 20,000 point welcome offer on the market, plus earn 5x points on rotating categories like gas, Walmart, Amazon, and grocery stores. These points can be combined with your Chase Sapphire Reserve, where you can transfer points to partners like Hyatt and United to get outsized value. And once you’ve had the card for 12 months, you can upgrade it to another Sapphire Reserve…

Chase Marriott Cards

Chase Marriott Bonvoy Boundless

$95 Annual Feewaived for AD military and spouses

But why have 1 Marriott card when you could have 2? The Boundless comes with a 50,000 pt annual free night certificate. But even better, after having your Boundless for a year, you can upgrade your card to the Ritz-Carlton card, which will give you an annual 85,000 pt free night certificate just like the Brilliant.

Chase United Club Infinite

$525 Annual Feewaived for AD military and spouses

The most family friendly airline credit card – Get access to United Club Lounges for both you and your companions, and access to participating Star Alliances lounges worldwide! You and 1 companion will each get 2 free checked bags, perfect for families with kids needing checked bags. And get a $100 Global Entry/TSA PreCheck credit, perfect for spouses or kids who need their own accounts!

Chase World of Hyatt

$95 Annual Feewaived for AD military and spouses

Earn an annual free night certificate every anniversary, and a second free night certificate when you spend $15,000 in a calendar year. Also get 5 qualifying nights toward elite status every year, and 2 additional qualifying night credits for every $5,000 spent on the card! Plus earn 9x for spending at Hyatt properties worldwide.

Chase United Cards

Chase Marriott Bonvoy Boundless

$95 Annual Feewaived for AD military and spouses

But why have 1 Marriott card when you could have 2? The Boundless comes with a 50,000 pt annual free night certificate. But even better, after having your Boundless for a year, you can upgrade your card to the Ritz-Carlton card, which will give you an annual 85,000 pt free night certificate just like the Brilliant.

Chase United Club Infinite

$525 Annual Feewaived for AD military and spouses

The most family friendly airline credit card – Get access to United Club Lounges for both you and your companions, and access to participating Star Alliances lounges worldwide! You and 1 companion will each get 2 free checked bags, perfect for families with kids needing checked bags. And get a $100 Global Entry/TSA PreCheck credit, perfect for spouses or kids who need their own accounts!

Chase World of Hyatt

$95 Annual Feewaived for AD military and spouses

Earn an annual free night certificate every anniversary, and a second free night certificate when you spend $15,000 in a calendar year. Also get 5 qualifying nights toward elite status every year, and 2 additional qualifying night credits for every $5,000 spent on the card! Plus earn 9x for spending at Hyatt properties worldwide.

Chase Southwest Cards

Chase Marriott Bonvoy Boundless

$95 Annual Feewaived for AD military and spouses

But why have 1 Marriott card when you could have 2? The Boundless comes with a 50,000 pt annual free night certificate. But even better, after having your Boundless for a year, you can upgrade your card to the Ritz-Carlton card, which will give you an annual 85,000 pt free night certificate just like the Brilliant.

Chase United Club Infinite

$525 Annual Feewaived for AD military and spouses

The most family friendly airline credit card – Get access to United Club Lounges for both you and your companions, and access to participating Star Alliances lounges worldwide! You and 1 companion will each get 2 free checked bags, perfect for families with kids needing checked bags. And get a $100 Global Entry/TSA PreCheck credit, perfect for spouses or kids who need their own accounts!

Chase World of Hyatt

$95 Annual Feewaived for AD military and spouses

Earn an annual free night certificate every anniversary, and a second free night certificate when you spend $15,000 in a calendar year. Also get 5 qualifying nights toward elite status every year, and 2 additional qualifying night credits for every $5,000 spent on the card! Plus earn 9x for spending at Hyatt properties worldwide.

Chase No-Fee Business Cards

Chase Ink Business Cash

No Annual Fee!

Earn 5x on internet, phone bills, cable, and office supply stores up to $25,000 a year. Office supplies stores sell a wide variety of gift cards, which can supercharge your points earnings! Also earns 2x at gas stations and comes with a huge welcome offer! All points combine with your Sapphire cards, and unlike your Sapphire cards, you can generally open more than one Ink cash card per year.

Chase Ink Business Unlimited

No Annual Fee!

Earn 1.5x points everywhere AND get a huge welcome offer! All points combine with your Chase Freedom and Sapphire cards, and unlike your Sapphire cards, you can generally open more than one Ink Unlimited card per year.

Want the full list?

Check out our full list of credit cards that waive annual fees for military🤑