Military Lending Act Disclosure
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums fees for ancillary products sold in connection with the credit transaction any application fee charged and any participation fee charged .
Please refer to Section 12 of the Military Star Credit Card Agreement to see how your monthly minimum payment is calculated.
Please call toll- free 1-877-891-7827 to hear this disclosure orally.
Variable APRs are based on the 7.50% Prime Rate in effect as of 12/15/2022, which remained in effect as of a date not more than 30 days before you received these Account Opening Disclosures. The variable APR for Retail Plan purchases is 14.49% , based on a Margin of 6.99% that we added to this Prime Rate. The variable Penalty APR is 22.49% , based on a Margin of 14.99% that we added to this Prime Rate.
How To Apply For Military Star Card
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.
You can apply for a Military Star Card at the myECP website.
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The Star Credit Card Program
The Star Card Program is a credit line designed to assist military members and their families with their financial needs. The program offers financial safety, affordability, and fair and flexible terms at a competitive low APR, regardless of the members credit score.
The Military Star credit card cannot be used everywhere like a standard bank-issued credit card. The Military Star card may be used at military exchanges and facilities such as the Army and Air Force Exchange Service shopping facilities and food courts and Armed Forces Recreation Center resort hotels, as well as, online at ShopMyExchange.com and MyNavyExchange.com.
Members do not incur an annual fee, foreign transaction fees, late fees, or over-limit fees. Also, there is no back-interest add-on when 0% promotions expire.
The Rewards Program allows members to earn 2X the points for every $1 of qualifying net purchases. Members earn a $20 Military Star rewards card for every 2,000 points they accumulate. The card is redeemable anywhere military exchange gift cards are accepted.
New members automatically save 10% on their first purchase.
Access your free FICO® credit score to help you monitor and improve your credit.
The Military Star line of credit is designed to help our servicemembers and their families with their purchases, PCS, deployment, or retirement needs. Compare the Military Star card with other market rewards card competitors to see which choice is right for you.
How Do I Cancel My Military Star Card

In order to cancel your Military Star Card please contact 1-877-891-7827. There are additional contact numbers listed for service members located outside the United States.
The Exchange Credit Program can also handle inquiries at
Standard mail inquiries can go through:
Exchange Credit ProgramPO Box 650410Dallas, TX 75265-0410
NOTE: In some instances the privilege to use a Military Star Card may get disallowed if the active duty soldier leaves the military and no longer has Exchange status rights.
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What Counts As Clothing On Military Star Card
Exchange commercial uniform clothing, undergarments, insignia and footwear to be worn with the uniform. Soldiers, Airmen and Marines qualify for the Military Clothing Plan. Sailors and Coast Guard members are offered a promotional 0% plan for uniform purchases under the MILITARY STAR cards standard retail credit line.
Benefits Of The Military Star Card
There are three primary benefits to the Military Star Card: 1) It provides a reasonable interest rate 2) There are exclusive benefits designed specifically for military families and 3) The rewards points.
Cardholders begin earning points the moment the account gets opened and do not expire so long as you have purchase activity at least once every 12 months. The rewards system offers a 2% cash back by providing two points for every $1 spent.
Once 2,000 points is reached members of the ECP program automatically receive a $20 rewards card. The card can get redeemed for merchandise or services anywhere the gift card is accepted.
While it would be nice if the rewards program gave the option of redeeming points for cash or applying it to monthly installment payments â the program is still a really great feature.
Reward points are often used by service members at ecommerce retailers like myNavyExchange.com, shopmyexchange.com, and shopCGX.com.
The Military Star Card does not come with a lot of strings attached. The credit line currently features 0% promotional interest and fair rates thereafter. Furthermore, ECP claims that while your credit score will influence whether or not you are eligible â it does not effect your interest rate one way or another.
The interest rate for all borrowers is fixed and within reason. If you are eligible for the card you will find that the interest rate is lower than many other creditors.
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What Perks Or Discounts Can You Get With The Military Star Card
Besides the Rewards Program, the Military Star Card supports the military community as a significant portion of the Military Star earnings fund quality of life programs. The Exchange Credit Program has returned $639 million to MWR programs over the last 10 years.
The Military Star Card also offers a $500 interest-free military clothing plan and have a reduced interest deployment policy.
As far as discounts go, they do have promotional 0% interest offers, exclusive savings for just cardholders, and free standard shipping when you order online at shopmyexchange.com and myNavyExchange.com. There is an everyday $.05 per gallon fuel discount, and an everyday 10% food court discount available only at Army & Air Force Exchange Service and participating facilities. After you are approved for your card, you will receive a 10% discount for purchases on your first day which will appear as a credit on your first monthly billing statement.
The Friendly Military Star Card
There are numerous credit cards on the market. What you need is one that is military-friendly, and that understands the need for flexibility in use and repayment, as well as one that provides equal rewards and benefits. The star card offers a lower interest rate and several attractive reward and redeeming offers and promotions.
The Exchange Credit Program manages, oversees, and promotes the star credit card for military servicemembers and families. The starcard is geared toward obtaining the basic needs of the servicemember through the exchange. BX, PX, NEX, and MCX facilities and online AAFES stores accept a military star card payment. Commissaries and general vendors do not. Because it is for use at military facilities and online websites only, it may seem restrictive.
Although military ID is required when an AAFES star card purchase is made, AAFES employees are required to check military ID regardless of method of payment. Swipe the card, sign the payment slip, show your military ID and youre on your way.
AAFES.com is the only online merchant that accepts a military star card payment. Membership and proof of military affiliation is required to shop at AAFES.com. Once you have selected the items you wish to purchase, enter your star card account number at the payment information screen.
Also enter your AAFES star card expiration date, and the security code found on the back of your card.
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What Is The Reduced Interest Deployment Policy About
If the service member is activated or deployed, your interest rates can be temporarily reduced. The reduced interest rate will be effective for the duration of the activation or deployment. After the service member returns home, the interest charges will return to regular rates. The service member will need to request a temporary reduction in interest charges and they will need to have a copy of their activation or deployment orders.
While activated or deployed, the service member can still make purchases but they will not be required to make monthly payments and the interest rate will be reduced to 6%.
Do I Have To Be On Active Duty To Have The Card
Not necessarily. Though active duty members are the primary recipients the ECP does consider veterans and reservists.
The primary method of determining eligibility is any service member past or present with current Exchange shopping privileges. The next determining factor is the credit score of the individual applying.
If accepted, service members may add additional users. It is common for individuals to include spouses as well as dependents .
Once another eligible individual receives permission he or she can use the card to make full purchases. They also have the ability to pay monthly installments if necessary.
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How Does Military Star Card Work
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 and other participating locations. After 2,000 points, customers will receive a $20 rewards card.
Star Credit Card Drawbacks

The Military Star credit cards major drawback is that it can only be used for AAFES exchange or military clothing plan purchases. Credit cards, such as those issued by USAA and Chase, are more flexible, accepted by more merchants and vendors, and do offer various perks to military personnel.
Other cards may also offer more promotional and introductory offers and one-time rewards incentives for new-account members. While star credit card rewards may only be redeemed for military exchange purchases. This may be viewed as a limitation by some members.
If cash back, reward points, or travel miles is your priority, or if having the flexibility to pay by credit at non-exchange stores is more convenient, you may consider having the Military Star card that offers exchange and servicemember benefits as well as one of the other rewards cards that offers military benefits.
A significant factor to be aware of too, is that the starcard balance must be paid in full upon separation from the military. The military can take payments from your bank account for those you missed.
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Things To Consider Before Requesting A Credit Limit Increase From Military Star
There are a few things to consider before you ask for a credit limit increase:
However, we all need to splurge sometimes, and there are times you need a credit limit increase to get that item you just have to have.
Apply For Scra Benefits
The SCRA caps the interest that eligible active-duty service members can be charged on credit card debt built up before entering active-duty military service to 6%.
There is an exception a creditor could ask a court to decide whether your ability to pay a higher interest rate is not materially affected by your military service. But if not covered by that exception, eligible active-duty service members will only have to pay 6% interest on credit card debt they already had before starting military service. To learn more about the Servicemembers Civil Relief Act, visit the SCRA website.
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What Do I Need To Know About Interest Rate And Other Fees
The Military Star Card is a relatively straightforward credit card with thankfully no hidden fees. However, it is still a credit card so there are some expenses you should make yourself aware of before deciding it is the right card for you and your family.
The card has recently been reported with an APR of 12.24 percent. The same rate applies to all cardholders, regardless of credit score. However, the APR is variable and does change based on adjustments regarding the Prime Rate.
One of the best features of the Military Star Card is that it rewards service members that have just been deployed. Any U.S. Military member during deployment receive a lower APR as a result.
Then at the end of the activation or deployment the interest changes back to the previous rate, or current assigned rate.
Furthermore, all eligible military clothing expenses paid through the Military Clothing Plan receives 0% APR.
Due dates for monthly payments of the Military Star Card is currently listed at 25 days after the conclusion of each billing cycle. There is absolutely no annual fee, late fee, or over-limit fee according to the terms and conditions.
However, any monthly installment that turns back unpaid due to insufficient funds receives a $25 fee. The penalty rate is 20.24 percent. It applies to any monthly installment not paid to at least the minimum due.
How Can I Get A Credit Line Increase
After getting accepted for a new account the ECP will provide you with a credit line. It will also include details about the interest rate and other crucial information.
During this time the applicant can contact the ECP if they would like to request a higher credit limit. It is up to the judgement of the ECP and does not necessarily mean you will receive a counter offer.
If that is the case, stay patient. Over time as you build up a good rapport by paying Military Star Card payments on time and keeping a reasonable balance, the agency may pursue you directly for a credit line increase.
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Is It A Good Card
Again, this depends on your other options. The Military Star card has some great benefits, such as the 0% interest rate on military clothing items. I like it because I can get 10% off my food court purchases. The interest rate isn’t great, but it isn’t terrible, either.
However, it has a pretty bad reputation for messing up payments, not putting in changes of address, and not trying to track down customers who haven’t paid their bill. I discovered this first-hand last year. I thought I had paid my bill in full before a PCS move, only to discover that a gas fill-up hadn’t posted before I paid the entire balance. I’d owed $47 for several months before I saw the balance on my credit report when I was trying to get a mortgage. Our change of address hadn’t processed, and they didn’t try to reach us by phone or email. I was a little frustrated, and who knows how long that debt would have sat on my account if I hadn’t applied for a mortgage.
If you’re just building credit, and can be disciplined to watch your bills carefully and make all your payments on time , the Military Star card can be a tool to building your credit.
If you are at all disorganized, or have a habit of not paying your bills, the Military Star card can be a disaster. Your command could get involved, your pay could be garnished, or worse. Whether it’s the right card for you is a decision that only you can make, but at least you have a lot of information about the program.
What Is The Interest Rate
If you’re making a regular purchase, the interest rate is 12.24 percent. Whether this is a good rate depends on your other options. It is exceptionally low for a store credit card, but just barely competitive compared to the many excellent Visa and MasterCard products offered by companies like USAA, Pentagon Federal Credit Union, and Navy Federal Credit Union. Special interest rates may apply to promotional sales.
One unique feature of the Military Star card is that it offers zero percent interest on eligible military clothing purchases. Unfortunately, this option is only available to Marine Corps, Army, and Air Force patrons, and there may be restrictions.
If you do not comply with the terms of the card, you will be subject to the penalty interest rate of 20.24 percent.
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How Do You Get Approved For A High Limit Credit Card
To get approved for a high limit credit card, you will need good to excellent credit and proof that you can afford a high spending limit. More specifically, your credit limit will be determined by several factors, including your income, assets, and existing debt obligations. Picking the right credit card goes a long way, too.read full answer
How to Get Approved for a High Limit Credit Card
Ultimately, to have a better chance at getting approved for a high limit credit card, you should also make sure to always pay bills on time, use 30% or less of your available credit, and otherwise make good financial decisions.