The Dos and Don’ts of Government Travel Charge Cards

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Government Travel Card Rules
You've been issued a government travel charge card (GTCC). This article breaks down everything you need to know about the different types of charge cards offered and some savvy tips on how to use (and how NOT to use) your government charge card so that you remain in control and out of trouble.
Table of Contents
  1. What Is a Government Travel Charge Card (GTCC)?
    1. Obtaining a Government Travel Charge Card
    2. Types of Government Travel Charge Cards
    3. Uses of a Government Travel Card
  2. The Rules of a Government Travel Card
    1. How to Responsibly Use Your Government Travel Card
    2. Incorrect Uses of a Government Travel Card
  3. Resources & Contact Information

You just received your first government travel charge card — the federal government’s version of a corporate travel credit card. But before your Wolf of Wall Street fantasies about perks and points come alive, it’s best to learn a bit more about the government charge card program, what’s expected of you as a cardholder, and how to use the card appropriately (and legally).

Within this article, we explore the basics of the government travel charge card program (specifically, the Department of Defense’s Travel Card program), the different types of charge cards offered, and how to obtain a card. Additionally, read on for some savvy tips on how to use (and how NOT to use) your government charge card so that you remain in control and out of trouble.

What Is a Government Travel Charge Card (GTCC)?

A government travel charge card (GTCC) is a commercial credit card offered to Department of Defense personnel (both military and civilian) to pay for costs related to government-specific travel. For military members, this may include permanent change of station (PCS) moves and temporary duty (TDY) assignments so that the servicemember doesn’t have to pay for work-related expenses out of pocket.

Currently, credit cards issued under the GTCC program are by the commercial partner, CitiBank. However, the program itself is managed by DoD program coordinators within the Defense Travel Management Office (DTMO), who provide troubleshooting assistance to servicemembers and federal employees. While CitiBank issues GTCC credit card statements, DTMO remains the principal agency for setting policy regarding GTCC use.

Obtaining a Government Travel Charge Card

In general, military members will not have access to the GTCC program until it becomes a job requirement. Those who become eligible for holding a GTCC must first complete an online training course and then be invited to apply for the card through CitiBank.

Types of Government Travel Charge Cards

There are two main classifications for government charge cards: 

  • Individually Billed Accounts (IBAs) 
  • Centrally Billed Accounts (CBAs)

Individually Billed Accounts (IBAs)

Individually Billed Accounts are issued to servicemembers for travel and travel-related expenses, and with these types of cards, the servicemember is responsible for settling the account. 

The Standard card options within this category are typically issued to those with a 660 or higher credit score and have a credit limit of $7,500. 

In contrast, the Restricted card option is issued to those with lower credit scores (500-659) and has a lower credit limit of $4,000. Restricted government charge cards are closely monitored and sometimes deactivated during periods when travel has not been approved.

Centrally Billed Accounts (CBAs) 

Centrally Billed Accounts can also be used to pay for travel expenses. 

These cards are settled directly by the U.S. government (so the cardholder has fewer personal responsibilities) and have limited use. Unlike Individually Billed Accounts, where the servicemember is personally liable for card charges, Centrally Billed Accounts assume government liability.

Uses of a Government Travel Card

Approved uses of a government travel charge card include, but are not excluded to:

  • Lodging
  • Meals (*not including alcohol)
  • Rental car
  • Fuel/gas
  • Transportation (e.g. airfare, train, etc.)

For additional guidance on what constitutes “official travel,” see page 14 in the GTCC Regulations (2020) and the newly amended Joint Travel Regulations (2021).

The Rules of a Government Travel Card

How to Responsibly Use Your Government Travel Card

Responsible use of your government charge card entails three main activities: 

  1. Ethical use of the card for official government travel expenses only;
  2. Timely and accurate reporting of charges (often with printed receipts!);
  3. Timely payment of the card’s balance

The cardinal rule to follow: the government charge card is not to be treated as a personal card in any way. It should be used only for official travel (commuting to work or going on a family vacation do not constitute “official travel”). 

Following the travel event (e.g., PCS or TDY), cardholders are expected to submit a “travel claims” report within five days of its conclusion in the Defense Travel System. This should include scanned receipts of individual charges as well as amounts (foreign currency charges must be converted into U.S. dollars), dates, and descriptions. 

Additionally, cardholders with Individually Billed Accounts are responsible for ensuring that the government travel card is ultimately paid off. When entering trip report details in the Defense Travel System, cardholders are encouraged to use the split disbursement option to ensure that the servicemember is reimbursed for all out-of-pocket expenses and per diem rates while at the same time the charges on the government credit card are settled in full.

Incorrect Uses of a Government Travel Card

Although it isn’t difficult to imagine the multitude of ways that servicemembers can get into hot water for misuse of government travel cards, the most common missteps involve:

  • Using the card for unofficial/non-approved travel or personal use
  • Overspending
  • Incorrect use of split disbursement feature
  • Failure to submit timely and/or accurate travel report in DTS
  • Failure to pay card balance on time
  • Including alcohol on receipts for DTS submission 

In addition to accruing late fees, which begin at 75 days past the due date, cardmembers can have their accounts suspended or terminated for improper use of a government travel charge card. For more serious offenses, servicemembers may receive formal counseling, an Article 15, or even a court-martial. Therefore, it’s best to be on the safe side and remember the basics for proper GTCC etiquette:

  1. Use only for official/approved government travel;
  2. Provide a timely and accurate report in DTS, utilizing the split reimbursement option;
  3. Ensure that GTCC is paid off in full by the due date

Resources & Contact Information

For more information on the Department of Defense government travel charge card:

Citi Customer Service: 1-800-200-7056 (or 757-852-9076 when calling collect)

GTCC Travel Assistance Center: 1-888-HELP1GO (1-888-435-7146)

Citi’s Department of Defense Travel Card Webpage

Email for Department of Defense Travel Card Helpdesk

Department of Defense GTCC Regulations (2020)Department of Defense Joint Travel Regulations (2021)

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About Meaghan Doherty Myers

Meaghan Doherty Myers is a freelance writer, specializing in military benefits, personal finance, and defense and security issues. She holds an M.A. in Strategic Studies and International Relations from the Johns Hopkins School of Advanced International Studies (SAIS) and recently graduated from the Russian language program at the Defense Language Institute in Monterey, CA. She is an Army spouse, a former ballet dancer, and a former management consultant who lives with her husband and daughter in Alexandria, VA.

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