For all you put into your service, MILITARY STAR wants you to get more back

The MILITARY STAR card and its benefits are exclusively available to military personnel and their families, DoD Civilians, Purple Heart recipients and Disabled Veterans and Veterans who received an Honorable or general under Honorable conditions discharge have online shopping privileges. This line of credit is designed to assist you with your financial needs, whether it’s an everyday purchase or one unique to your military lifestyle, such as PCS, deployment or retirement items. As a "thank you" for shopping the Exchange, cardholders also receive personal dividends through the MILITARY STAR Rewards Program.

Earn 2% Rewards on Every Purchase

Through the MILITARY STAR Rewards Program, you will earn 2% in rewards on every purchase except the Military Clothing Line of Credit. 2% equals two points for every dollar you spend when you use your MILITARY STAR card at exchange stores, online at,,, Army & Air Force Exchange Service food courts, Express® locations, Exchange mall vendors, Armed Forces Recreation Center resort hotels and more.

For every 2,000 points accumulated, you’ll automatically earn a MILITARY STAR Rewards Card delivered to the email on your MILITARY STAR account. Reward cards are issued in $20 increments and may be redeemed for merchandise or services anywhere Exchange gift cards are accepted. Plus, there’s no limit to how many cards you can earn each year.

Exclusive Military Benefits You've Come to Expect

Fair and Flexible Terms to Help You Safely and Affordably Build Credit
  • Competitive low APR, no matter your credit score¥
  • No late, annual or over-limit fees¥
  • No back-interest when 0% promotions expire
Programs to Support the Well-Being of Your Military Community
  • More than $408 million in benefit savings provided to Warfighters, their families and the military community in 2021
  • $1,000 interest-free Military Clothing Plan^
  • Reduced interest deployment policy**
Multiple Discounts that Save You Money All Year Long
  • Promotional 0% interest offers
  • Fixed monthly payments for 36, 48 or 60 months with PayYourWay
  • Exclusive savings just for cardholders
  • Free standard shipping on, and
  • 5 cents off per gallon of fuel every day
  • 10% off at Exchange restaurants every day

Apply today and save 10% on all your first day's purchases*

The MILITARY STAR Rewards Program is offered by the Exchange Credit Program. All cardholders are automatically enrolled in the MILITARY STAR Rewards Program and will earn 2% rewards on every purchase. 2% equals 2 points for every $1 on qualifying purchases at all military exchanges, commissaries, and other participating locations. Rewards cards are delivered to the email on your MILITARY STAR account after 2,000 points are earned. Rewards cards are issued in $20 increments. Points are calculated on the final amount charged to the MILITARY STAR account. Returns will be deducted from your available points, even if you have already received a rewards card and may result in a negative points balance. Points and rewards cards have no monetary value and cannot be used as payment on any account. Rewards exclude Military Clothing Plan. Rewards points will not expire as long as you have purchase activity at least once every 12 months. Rules are subject to change without prior notice.

¥ Standard terms and conditions apply. As of July 27, 2023, a variable 15.49% APR applies to retail plan purchases, and a variable 23.49% APR applies to accounts subject to penalty APR. Minimum interest charge: 50 cents.

^ Army, Air Force and Marine Corps only. Military Clothing Plan feature of the MILITARY STAR account may not be available to all eligible account holders. Rewards exclude Military Clothing line of credit. Maximum amount $1,000. Eligible items include DLATS merchandise and authorized commercial uniform clothing and accessories. No minimum purchase or down payment is required. Estimate the monthly payments by dividing the new balance (including the purchase) by 12 months. The non-variable APR for purchases qualifying for the Military Clothing Plan is 0.00%.

‡ Available only at Army & Air Force Exchange Service and participating Marine Corps Community Service and Navy Exchange facilities.

** Your Interest Charges may be temporarily reduced based on military activation or deployment. The reduced interest rate will be effective for the duration of your activation or deployment. Minimum interest charge: 50 cents. At the end of your activation or deployment, the Interest Charges will return to the rates then in effect under this Agreement. To request a temporary reduction in Interest Charges, you or your representative must provide a copy of your activation or deployment orders to us by sending them: (1) by email to; (2) by facsimile transmission to (214) 465-2997; or (3) by mail addressed to the Exchange Credit Program, PO Box 650410, Dallas, TX 75265-0410.

* Upon account approval, new MILITARY STAR accounts will receive a 10% discount for purchases the first day. The 10% discount will be applied as a credit on the customer’s first monthly billing statement. Certain restrictions and limitations may apply.