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 and 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
  • 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 MWR programs
  • Military Clothing Plan^
  • 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
  • Five cents 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. In February of each year, your unredeemable points will expire when your statement closes for the month. Rules are subject to change without prior notice.

¥Standard terms and conditions apply. As of March 16, 2017, a variable 10.99% APR applies to Retail Plan Purchases; and variable 18.99% 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.

Available only at Army and Air Force Exchange Service and participating facilities.

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