MILITARY STAR Card Review

MILITARY STAR Card offers exclusive benefits to military members & families. Earn 2% rewards on select purchases, managed by AAFES.
Advertising Disclosure.

Advertiser Disclosure: The Military Wallet and Three Creeks Media, LLC, its parent and affiliate companies, may receive compensation through advertising placements on The Military Wallet. For any rankings or lists on this site, The Military Wallet may receive compensation from the companies being ranked; however, this compensation does not affect how, where, and in what order products and companies appear in the rankings and lists. If a ranking or list has a company noted to be a “partner,” the indicated company is a corporate affiliate of The Military Wallet. No tables, rankings, or lists are fully comprehensive and do not include all companies or available products.

The Military Wallet and Three Creeks Media have partnered with CardRatings for our coverage of credit card products. The Military Wallet and CardRatings may receive a commission from card issuers.

Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed, or approved by any of these entities. For more information, please see our Advertising Policy.

American Express is an advertiser on The Military Wallet. Terms Apply to American Express benefits and offers.

American soldier smiling at computer at home with his family.

The MILITARY STAR Card is available exclusively for military personnel and their families.

This card comes with a line of credit to help you with your financial needs, including routine day-to-day purchases, or those particular to the military lifestyle.

It offers plenty of benefits, which is why it has made our list of Featured Credit Cards for Military Members.

How The MILITARY STAR Card Works

Military Star LogoThe MILITARY STAR Card is offered and administered by the Army and Air Force Exchange Service (AAFES).

If you’re an eligible member of the military, The MILITARY STAR Card is one option you need to check out closely.

The card comes with generous rewards and discounts, as well as a low-interest rate on your approved line of credit.

The card is available for eligible active military service members and their families.

Also, note that you will be responsible for payment of any outstanding balance on your account after separation from service.


Credit Cards
Compare Top Military Credit Cards

Compare the rates, fees, and rewards of top credit cards for military servicemembers and veterans, including cards with waived annual fees under the SCRA.


The MILITARY STAR Rewards Program and Discounts

You can gain two points for every dollar you spend when you shop with exchange facilities and armed forces Recreation Center resort hotels.

The same rewards points arrangement applies for online shopping at shopmyexchange.com, myNavyExchange.com, and shopCGX.com.

You can also earn points at Army and Air Force Exchange Service food courts, Express locations, mall vendors, and other outlets.

To be eligible to participate in the Rewards Program, your account must be in good standing. Rewards points will begin accumulating on the day your account is approved.

Once you earn 2,000 points, you automatically earn a $20 MILITARY STAR Rewards Card.

That means the card has a conversion rate of $1 in rewards for every $50 spent, which is the equivalent of a 2% purchase reward.

Rewards Cards Redemptions w/ the Military Star Card

Cards can be redeemed for merchandise or services anywhere an exchange gift card is accepted. There is no limit to how many cards you can earn each year. Points cannot be credited to your account, redeemed for cash, applied to a previous purchase, or used to purchase gift cards or e-gift cards.

Rewards points will not expire as long as you have purchase activity at least once every 12 months. Selling rewards cards is strictly prohibited, and can result in termination of your card agreement, and loss of all unused and unexpired points.

In addition to the Rewards Program, you’ll also have the benefit of ongoing military discounts as follows:

  • 0% promotional interest 
  • Exclusive savings just for cardholders
  • Shipping: Free standard shipping on shopmyexchange.com and my NavyExchange.com
  • Gas discount: 5 cents per gallon every day
  • Food court discount: 10% daily

MILITARY STAR Card Features and Benefits

Other significant features and benefits of the MILITARY STAR Card include:

The interest rate isn’t affected by your credit score. While your credit score will influence whether or not you are approved for the card, it will not have an effect on your interest rate. The MILITARY STAR Card has a single rate for all borrowers, regardless of your credit.

First Day Discount. Upon approval of your account, you will get a 10% discount for purchases on the first day. It will appear as a credit on your first monthly billing statement.

Military Clothing Plan purchases. These purchases can be made with a 0% APR. This is a special interest rate waiver, specifically for this plan. The 0% APR applies to eligible purchases up to $500 at your base Military Clothing Sales store. However, military clothing and equipment offered by other vendors are not eligible for this plan.

Authorized users. You can add authorized users to your card. They must be eligible dependents, as defined by the Department of Defense, at least 18 years of age, and with current Exchange privileges. Authorized users will have full use of the card, and can even make payments on your behalf.

Credit reporting. Your MILITARY STAR Card payment history will be reported to the major credit bureaus. This will give you an opportunity to build your credit while you’re an active member of the military.

The MILITARY STAR Card can be used at Commissaries. Base commissaries offer wonderful benefits, and you can use your MILITARY STAR Card for grocery shopping. While this isn’t a big deal for many folks, it’s a great deal for disabled veterans and caregivers who recently gained access to exchange, commissary, and MWR facilities. The new law requires disabled veterans to pay an additional 1.9% fee for commissary purchases made on a credit card (this is required by law to help cover the fees the commissary pays to banks for these transactions). This fee is waived for purchases using the MILITARY STAR Card.

MILITARY STAR Card Pricing

The card comes with a low interest for Retail Plan purchases, and 0% for Military Clothing Plan purchases. The interest rate is variable and will adjust based on changes in the Prime Rate.

Your interest charges may also be temporarily reduced based on military activation or deployment. At the end of your activation or deployment, the interest charges or return to the rates in effect at the time of your return.

To be eligible for the interest rate reduction, either you or your representative must provide a copy of your activation or deployment orders, either by email, fax, or physical mail.

Your monthly payment will be the greater of 2.777% of the unpaid balance, or $10. For purchases under the Military Clothing Plan, the minimum payment will be 12.5% of the unpaid balance.

For example, if your card has a balance of $1,000, comprised entirely of regular purchases, the minimum monthly payment will be $27.77 (or $28 rounded up to the nearest whole dollar).

If you’re charged interest, the charge will be nothing less than $0.50. However, if you pay your balance in full by the due date each month, there will be no interest charged on your purchases during that billing period.

The due date is at least 25 days after the close of each billing cycle. Other fees to be aware of include:

  • Annual fee: None
  • Late fee: None
  • Over-limit fee: None
  • Returned payment fee: $25
  • Penalty rate: 20.24%

The penalty rate applies if you do not pay the full amount of any total minimum payment due within 60 days of the due date, and will apply until you make six consecutive on-time payments thereafter.

How to Sign Up for the MILITARY STAR Card

You can apply for the card on the ECP website or in-store at a local base exchange. If you apply online, you click the “Apply Now” button on the website, and you’ll be brought to a login page where you can register.

You’ll then be taken to a disclosure page which will include several required notices you need to read.

From there you can continue on to the application. You’ll be asked to provide general information, including your Social Security number and your employment and income information.

Your qualification for the card will be subject to credit investigation and credit reports. Your income, employment, and other related information will be verified with third parties.

MILITARY STAR Card Pros and Cons

Like any product, the MILITARY STAR Card comes with both advantages and disadvantages.

Pros:

  • The interest rate on the MILITARY STAR Card is lower than the rate on most popular credit cards.
  • The Rewards Program is the equivalent to 2% cash back on your purchases, which is very generous as an ongoing rewards program, even compared to major bank credit cards.
  • There’s a first day 10% discount for purchases.
  • No annual fee.
  • No late fees or over-limit fees.
  • The interest rate you’ll pay will not be affected by your credit score.
  • Interest rate reduction during deployment.
  • Ongoing discounts on purchases, gasoline, and at the food court, as well as promotional 0% interest offers.
  • The card can be used to help you build a good credit rating while you’re in the military, through regular, on-time payments.

Cons:

  • The card will be terminated once you leave active duty military service.
  • Rewards points are accumulated at select locations and may not be earned on all purchases made.
  • As is the case with all credit cards, loans, and credit lines, late payments made on the MILITARY STAR Card will have a negative impact on your credit and credit score.
  • Approval isn’t automatic. Bad credit could result in your application being denied.

Other Great Credit Cards for Military Members

The following table shows other great credit card options for military members and retirees. Some of these may better align with your spending patterns and may offer additional benefits or rewards not offered by the Military Star Card:


Should You Sign Up for the MILITARY STAR Card?

Though the MILITARY STAR Card is available only to members of the military, it offers one of the best overall credit card packages available, even when compared with credit card offers by major banks.

The low-interest rate, plus the generous rewards and discount programs make the card too good to pass up.

If you’d like more information, or if you’d like to sign up for the card, visit the MILITARY STAR Card website.

About Post Author

Get Instant Access
FREE Weekly Updates! Enter your information to join our mailing list.

Posted In:

Reader Interactions

Comments

    Leave A Comment:

    Comments:

    About the comments on this site:

    These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

    • Ryan Guina says

      Thomas, you should receive communication from the Star Card about your application. If you are approved, you will receive the card and the terms and conditions associated with the card. You will receive a letter of explanation if your application is declined. Best wishes!

  1. Samantha Whiteman says

    The customer service is absolutely horrible. There was a mistake with my son’s bank account and they didn’t notify him at all via text, call, email, letter. He’s active navy and goes under way several times a year. This payment issue could have been solved in 30 seconds but instead they did nothing and it had ruined his credit. Between my son and myself we have emailed 30 times and no one will respond. They gave him so much wrong information which also could avoided this issue. The customer service is horrible. And for any other department you need to speak to it’s only email.

  2. Kenya Brandt says

    The card has horrible accountability. This was a horrible card. Completely messed up my account and credit. They have delays in payment and if when they finally take the money out of your account the money is spent they put it as a deferred payment.. the customer service reps do not communicate properly or know information that they should like what email to contact for a dispute, time frame for mailing in payments. Also if you communicate and issue and they put a note on your account the note is ignored and called irrelevant. Horrible card…would not recommend. Just get a real credit card.

  3. Sargent Slaughter says

    This is not true for a few years, at least. You do not have to terminate your star card upon separation from the service. As a matter of fact you can even apply for one if you meet eligibility requirements. I say this as an Active Duty Army Retiree. The card is available to a lot more people than just active duty service members.

  4. Mitch Sears says

    Nothing against the card, it is the support. I canceled my card, returned to the States and reactivated it. They could not permit me to see my statement online. Promises to call be back with resolution resulted in no call back. Stinky customer service that could not compete in the civilian sector. Horrible execution.

  5. Aron says

    Can anyone one show me where i can find the agreement or document that shows why they report this credit card 30-60 late then on time on 90 days

  6. David Kennimer says

    My wife and I were in Texas for a month and when we came home in July 2019 we had received in the mail 2 rewards cards. My wife the previous two months had also received an additional 2 rewords cards. We went to the NEX on Guam and was told when the ran the cards two were acceptable and two we were told had expired.

    Why did two cards expire when your information states “Rewards points will not expire as long as you have purchase activity at least once every 12 months”.

    We at least purchase items at the NEX at least once a month using our Star Card.

    Please explain why the cashier considered out awards cards that two were expired when they should not have expired.

  7. Debbie says

    This states that only active military can have this card. This is incorrect. Retired military can have the military star card too. We have had it for years. At least the regular military star card. I do not know if this one is different or not. The one we have has an interest rate of percent. This is a lot better then normal charge cards that can charge up to 28% interest. It has come in handy for Christmas sales on the AAFES site as well as other online sites that take the card. Sorry but I would have to disagree. We have found the card very useful and it has never had that bad of an interest rate. Thanks.

The Military Wallet is a property of Three Creeks Media. Neither The Military Wallet nor Three Creeks Media are associated with or endorsed by the U.S. Departments of Defense or Veterans Affairs. The content on The Military Wallet is produced by Three Creeks Media, its partners, affiliates and contractors, any opinions or statements on The Military Wallet should not be attributed to the Dept. of Veterans Affairs, the Dept. of Defense or any governmental entity. If you have questions about Veteran programs offered through or by the Dept. of Veterans Affairs, please visit their website at va.gov. The content offered on The Military Wallet is for general informational purposes only and may not be relevant to any consumer’s specific situation, this content should not be construed as legal or financial advice. If you have questions of a specific nature consider consulting a financial professional, accountant or attorney to discuss. References to third-party products, rates and offers may change without notice.

Advertiser Disclosure: The Military Wallet and Three Creeks Media, LLC, its parent and affiliate companies, may receive compensation through advertising placements on The Military Wallet. For any rankings or lists on this site, The Military Wallet may receive compensation from the companies being ranked; however, this compensation does not affect how, where, and in what order products and companies appear in the rankings and lists. If a ranking or list has a company noted to be a “partner,” the indicated company is a corporate affiliate of The Military Wallet. No tables, rankings, or lists are fully comprehensive and do not include all companies or available products.

Editorial Disclosure: Editorial content on The Military Wallet may include opinions. Any opinions are those of the author alone, and not those of an advertiser to the site nor of  The Military Wallet.

Information from your device can be used to personalize your ad experience.