Pay Your Way is a special financing plan from MILITARY STAR® that lets you budget for major purchases
Choose $300 or more in merchandise and calculate your monthly payment before you complete your transaction
MILITARY STAR promotions subject to credit approval. Interest will be charged on promotional purchases from the purchase date at a reduced 9.99% APR and fixed monthly payments are required until promotion is paid in full. Failure to make minimum payments for three billing cycles will cancel promotional rate. Standard account terms apply to non-promotional purchases. As of March 16, 2020, a variable 10.24% APR applies to non-promotional purchases, and a variable 18.24% APR applies to accounts subject to penalty APR. Existing cardholders should see their credit card agreement for applicable terms.
†Monthly payment for a 36-month promotion is calculated as follows: 0.0323 of initial promotion purchase and rounded to the next cent. PL#90036
††Monthly payment for a 48-month promotions is calculated as follows: 0.0254 of initial promotion purchase and rounded to the next cent. PL#90048.
†††Monthly payment for a 60-month promotion is calculated as follows: 0.0212 of initial promotion purchase and rounded to the next cent. PL#90060.
Receive 0% interest plus no payments* for 12 months on Apple purchases of $499 or more with MILITARY STAR®
Excludes smartphones.
*Valid November 28 – December 16, 2021, at Army & Air Force Exchange facilities shopmyexchange.com and CGX. Must be a single transaction. Limited to stock available. Excludes Apple smartphone purchases, prior purchases, concessionaires, Exchange Online Marketplace, NEX and MCX. Offer ends at 2359 CT on final day of promotion.
MILITARY STAR promotions subject to credit approval. Standard account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases. As of March 16, 2020, a variable 10.24% APR applies to retail plan purchases, and a variable 18.24% APR applies to accounts subject to penalty APR. Minimum interest charge: 50¢. See Exchange Credit Program agreement for more details.
Customers automatically earn four points for every $1 spent on any purchase made with MILITARY STAR®
Earn points faster. Reach 2,000 points and receive $20 eRewards.
*Valid November 29, 2021 at shopmyexchange.com only. Must be a shopymyexchange.com Cyber Monday purchase of $199 or more in a single transaction. Excludes military clothing line of credit purchases. Certain restrictions and limitations may apply.
Save an additional 10% on select toys with MILITARY STAR®
*Valid November 28 – December 30, 2021 at any Army & Air Force Exchange Service facility and shopmyexchange.com. Additional discount will be applied automatically at checkout when MILITARY STAR is used for payment. Limited to stock available. Must be a single transaction. No cash redemption value. Excludes any bicycles, gaming consoles, accessories software, desktop, notebook, laptop computers, layaways, prior purchases, concessionaires, Exchange Online Marketplace, NEX, MCX and CGX. Offer ends at 2359 CT on final day of promotion.
MILITARY STAR promotions subject to credit approval. Standard account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases. As of March 16, 2020, a variable 10.24% APR applies to retail plan purchases, and a variable 18.24% APR applies to accounts subject to penalty APR. Minimum interest charge: 50¢. See Exchange Credit Program agreement for more details.
All active-duty Soldiers, Airmen and Marines, as well as Guard and Reserve members can now purchase up to $1,000 in qualifying merchandise on their MILITARY STAR® Military Clothing Plan interest free, doubling the plan’s original credit limit of $500.
*The Military Clothing Plan feature of the MILITARY STAR account may not be available to all eligible account holders. Maximum amount $1,000, with 12 minimum monthly payments. Eligible items include DLATS merchandise and authorized commercial uniform clothing and accessories. No minimum purchase or down payment is required. The non-variable APR for purchases qualifying for the Military Clothing Plan is 0.00%. See Exchange Credit Program agreement for more details. Rewards exclude military clothing line of credit.
Receive 0% interest plus no payments* for 12 months on jewelry and/or watch purchases of $799 or more with MILITARY STAR ®
*Valid April 30 – December 31, 2021 at any Army & Air Force Exchange Service facility and shopmyexchange.com. Must be a jewelry and/or watch purchase of $799 or more in a single transaction. Excludes smart and/or fitness watches, prior purchases, layaways, concessionaires, Exchange Online MarketPlace, NEX, CGX and MCX. Offer ends at 2359 CT on final day of promotion.
MILITARY STAR promotions subject to credit approval. Standard account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases. As of March 16, 2020, a variable 10.24% APR applies to retail plan purchases, and a variable 18.24% APR applies to accounts subject to penalty APR. Minimum interest charge: 50¢. See Exchange Credit Program agreement for more details.
Receive 0% interest plus no payments* for 12 months on sporting goods purchases of $699 or more with MILITARY STAR®
Limited to Firearms, bikes, and/or equipment for golf, team sports, marine and water sports, fitness, hunting, camping and fishing.
*Valid May 1 – December 31, 2021, at Army & Air Force Exchange facilities and shopmyexchange.com. Must be a single transaction of $
699 or more on firearms, bikes, and/or equipment for golf, team sports, marine and water sports, fitness, hunting, camping and fishing equipment. Limited to stock available. Excludes prior purchases, layaways, concessionaires, Exchange Online MarketPlace, NEX, MCX and CGX. Offer ends at 2359 CT on final day of promotion.MILITARY STAR promotions subject to credit approval. Standard account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases. As of March 16, 2020, a variable 10.24% APR applies to retail plan purchases, and a variable 18.24% APR applies to accounts subject to penalty APR. Minimum interest charge: 50¢. See Exchange Credit Program agreement for more details.
Receive 0% interest plus no payments* for 6 months on Optical Center and/or Vista Optical Center purchases of $299 or more with MILITARY STAR®
In-store only.
*Valid October 1 - December 31, 2021, at Army & Air Force Exchange Optical Centers, Vista Optical and MCX Optical Centers. Must be a single transaction. Limited to stock available. Excludes prior purchases, concessionaires, shopmyexchange.com, Exchange Online Marketplace and CGX.
MILITARY STAR promotions subject to credit approval. Standard account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases. As of March 16, 2020, a variable 10.24% APR applies to retail plan purchases, and a variable 18.24% APR applies to accounts subject to penalty APR. Minimum interest charge: 50¢. See Exchange Credit Program agreement for more details.
Pay 0% interest* for 12 months on vehicle down payments between $500 - $3,500 with MILITARY STAR®
Valid on Down Payment Financing Only and not on the total purchasing price
*Valid October 1 – December 31, 2021 at all on-base Army & Air Force Exchange Service, Navy Exchange and Marines Exchange Overseas Military AutoSource (MAS) locations, including Guam and Puerto Rico. Includes new or certified pre-owned car or truck, motorcycle and ATV purchases. Must be a single transaction. Excludes prior purchases and CGX. MILITARY STAR is not a licensed automobile loan lender or broker. MILITARY STAR does not process, underwrite or make any credit decisions regarding auto loans, and does not represent any of the lenders featured at MAS concessions on the installation.
MILITARY STAR promotions subject to credit approval. Standard account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases. As of March 16, 2020, a variable 10.24% APR applies to retail plan purchases, and a variable 18.24% APR applies to accounts subject to penalty APR. Minimum interest charge: 50¢. See Exchange Credit Program agreement for more details.
Receive 0% interest plus no payments* for 6 months on Care Care Services and/orTire purchases of $199 or more with MILITARY STAR®
Valid at Army & Air Force Exchange Service Car Care, all Concessionaire Car Care Centers and MCX Firestone.
*Valid September 1 – December 31, 2021 at any Army & Air Force Exchange Service Car Care, all Concessionaire Car Care Centers and MCX Car Care Centers. Must be a purchase of $199 or more in a single transaction. Excludes prior purchases, layaways, the Exchange Online MarketPlace, NEX and CGX.
MILITARY STAR promotions subject to credit approval. Standard account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases. As of March 16, 2020, a variable 10.24% APR applies to retail plan purchases, and a variable 18.24% APR applies to accounts subject to penalty APR. Minimum interest charge: 50¢. See Exchange Credit Program agreement for more details.
Receive one entry into the Your Holiday Bill is on Us Sweepstakes when you use MILITARY STAR® anywhere MILITARY STAR is accepted as payment between November 1 – December 31, 2021.
Grand Prize Entire balance paid (5 winners). (Minimum $2,500 account credit).
Second Prize $1,000 MILITARY STAR account credit (10 winners).
3rd Prize $500 MILITARY STAR account credit (25 winners).
Click to Open Official Rules (pdf)
No purchase is necessary to enter or win. A purchase does not increase the chances of winning.
Receive 0% interest for 90 days on KICKZ Store purchases $199 or more with MILITARY STAR®
Select locations
*Valid November 1 – December 31, 2021 at Army & Air Force Exchange Service KICKZ Concession Stores located at Panzer, Ramstein-KMCC, Grafenwoehr and Wiesbaden Exchange Malls only. Must be a purchase of $199 or more in a single transaction. Excludes shopmyexchange.com, kickz.com, prior purchases, layaway, Exchange Online MarketPlace, NEX, MCX and CGX facilities. Offer ends at 2359 CT on final day of promotion.
MILITARY STAR promotions subject to credit approval. Standard account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases. As of March 16, 2020, a variable 10.24% APR applies to retail plan purchases, and a variable 18.24% APR applies to accounts subject to penalty APR. Minimum interest charge: 50¢. See Exchange Credit Program agreement for more details.
Receive 0% interest plus no payments* for 12 months on any major appliance purchases of $499 or more with MILITARY STAR®
*Valid November 5 – December 24, 2021 at any Army & Air Force Exchange facility and shopmyexchange.com. Must be a major appliance purchase of $499 or more in a single transaction. Limited to stock available. Excludes electronics, prior purchases, concessionaires, Exchange Online MarketPlace and NEX, MCX and CGX. Offer ends at 2359 CT on final day of promotion.
MILITARY STAR promotions subject to credit approval. Standard account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases. As of March 16, 2020, a variable 10.24% APR applies to retail plan purchases, and a variable 18.24% APR applies to accounts subject to penalty APR. Minimum interest charge: 50¢. See Exchange Credit Program agreement for more details.
Receive 0% interest for 6 months on Exchange Mall Furniture $499 or more with MILITARY STAR®
Select locations
*Valid November 11 – December 31, 2021, at Fort Ord Furniture Avenue, Kadena Amstyle Furniture, Camp Foster Amstyle Furniture and KMCC Lifestyle Furniture Concession Stores. Must be a furniture purchases of $499 or more in a single transaction. Valid in concession stores only. Limited to stock available. Excludes prior purchases, layaways, shopmyexchange.com, Exchange Online MarketPlace, NEX, MCX and CGX. Offer ends at 2359 CT on final day of promotion.
MILITARY STAR promotions subject to credit approval. Standard account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases. As of March 16, 2020, a variable 10.24% APR applies to retail plan purchases, and a variable 18.24% APR applies to accounts subject to penalty APR. Minimum interest charge: 50¢. See Exchange Credit Program agreement for more details.
