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. 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. And as a "thank you" for your loyalty to shopping the exchange, cardholders receive a personal dividend with the MILITARY STAR Rewards Program.

Earn Rewards on Every Purchase

Earn two points for every dollar you spend shopping exchange facilities and Armed Forces Recreation Center resort hotels, as well as online at, and You can also earn points at Army & Air Force Exchange Service food courts, Express® locations, mall vendors and more.

For every 2,000 points accumulated, you’ll automatically earn a $20 MILITARY STAR Rewards Card which can be redeemed for merchandise or services anywhere an exchange gift card is accepted. And 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
  • No annual, late or over-limit fees¥
  • No back-interest when 0% promotions expire
  • Competitive low APR no matter your credit score¥
Programs to Support the Well-Being of Your Military Community
  • Significant portion of MILITARY STAR earnings fund quality-of-life programs
  • $1,000 interest-free military clothing plan^
  • Reduced interest deployment policy**
Multiple Discounts that Save You Money All Year Long
  • Promotional 0% interest offers
  • Exclusive savings just for cardholders
  • Free standard shipping on and
  • 5¢ per gallon fuel discount every day
  • 10% food court discount 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 customers enrolled in the MILITARY STAR Rewards Program are eligible to earn 2 points for every $1 on qualifying purchases at all military exchanges and other participating locations. After 2,000 points, customers will receive a $20 rewards card. 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 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¢.

^ 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. Subject to credit approval. Minimum payments required. Failure to make minimum payments for three billing cycles will cancel promotional rate. 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¢.

‡ Available only at Army & Air Force Exchange Service and participating 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¢. 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 us at; (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.