Exchange®

Introducing PAY YOUR WAY!

Indefinitely

Pay Your Way is a special financing plan from MILITARY STAR® that lets you budget for major purchases

  • Choose your payment upfront
  • Get a reduced 9.99% APR
  • Earn rewards with every purchase

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.

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15 - 28 January

15 to 28 January

Save 15% on your first day’s purchases when you open a new MILITARY STAR® account between 15-28 January, 2021

Discount valid on new and approved accounts only. Must be a first time purchase made during the promotion dates to receive discounts.

*Upon account approval, new MILITARY STAR® account holders will receive 15% off all first day’s purchases made January 15-28, 2021, on the MILITARY STAR retail line of credit. Discount will be applied as a credit on the customer’s first monthly billing statement. Discount not valid on MILITARY STAR clothing line of credit. Valid anywhere MILITARY STAR is accepted as payment. Offer ends at 2359 CT on final day of promotion. Certain restrictions and limitation may apply.

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.

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15 - 17 January 2021

15 - 17 January

Save an additional 10% on Select Fine Jewelry purchases with MILITARY STAR®

* Valid January 15 - 17, 2021, at any Army & Air Force Exchange facilities and shopmyexchange.com. Discount will be applied automatically at the register when MILITARY STAR is used for payment. Discount will be applied online with MILITARY STAR payment. Limited to stock available. Must be a single transaction. No cash redemption value. Excludes layaways, prior purchases, concessionaires, Exchange Online Marketplace, NEX, MCX and CGX. Also excludes James Avery. Offer ends at 2359 CT on final day of promotion.

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1 January – 21 January

1 January – 21 January

Receive 0% interest, plus no payments for 12 months on select furniture and mattress purchases of $799 or more with MILITARY STAR®

*Valid 1 January – 21 January, 2021, at any Army & Air Force Exchange Service facility and shopmyexchange.com. Must be an Ashley, Best Home, Omnia, Catnapper, Steve Silver, Wiselift furniture or Serta, Simmons, Beautyrest, Tempur Pedic and Sealy mattress purchase of $799 or more in a single transaction. Limited to stock available.Excludes outdoor furniture, 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.

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1 January - 29 April

1 January to 29 April

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 January 1 – April 29, 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.

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1 January - 29 April

1 January – 29 April

Receive 0% interest plus no payments* for 12 months on any major appliance purchases of $499 or more with MILITARY STAR®

*Valid January 1 – April 29, 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.

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1 January - 29 April

1 January to 29 April

Receive 0% interest plus no payments* for 12 months on jewelry and/or watch purchases of $799 or more with MILITARY STAR ®

*Valid January 1 – April 29, 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.

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Military Clothing Plan Now $1,000!

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.

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1 September - 31 January

1 September to 31 January

Pay 2.99% interest* for 12 months on vehicle down payments between $500 - $2,500 with MILITARY STAR®

Valid on Down Payment Financing Only and not on the total purchasing price

*Valid at Europe, Pacific, Guam and Puerto Rico Military AutoSource (MAS) locations only. Includes car, motorcycle and ATV purchases. Must be a single down payment transaction of $500 - $2,500. 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.

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