Best Credit Cards for Military Members of September 2021

Updated September 18, 2021
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Best Credit Cards for Military in September 2021

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Credit One Bank Platinum Visa For Rebuilding Credit best for Retired person

Platinum Visa For Rebuilding Credit Credit One Bank
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Our Rating:
1.91 out of 5
scorer
Recommended credit score
No Credit History to Good (0-739)
  • Rewards Rate:
    • 1% Cash Back rewards on gas and groceries as well as your monthly mobile phone, internet, cable, and satellite TV services.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0 - $95 the Annual Fee for the first year. $0 - $99 for some accounts, The Annual Fee from the second year.
  • Purchase Intro APR:
    None
  • Regular APR:
    23.99% Variable.
  • Balance Transfer APR:
    None
  • Issuer name:
    Credit One Bank
  • Details:

    Platinum Visa For Rebuilding Credit is Perfect For Everyday Purchases.

    Earning cash back rewards has never been easier. Get 1% cash back rewards on gas and groceries as well as your monthly mobile phone, internet, cable, and satellite TV services.

    MINIMUM CREDIT LINE: $300 and Future credit line increases may be granted based on your overall credit performance.

    Get rewarded for responsible credit use!

    Choose a payment due date that works for you!

  • Pros:
    • Cash Back Rewards
    • Chance to get a higher credit limit
    • Reports to three major credit bureaus
    • Check if you prequalify online without affecting your credit score
    • No security deposit
  • Cons:
    • No guaranteed grace period
    • Potentially high annual fee
    • Foreign transaction fee
    • Low credit limit
  • Benefits:
    • 1% Cash Back Rewards;
    • Zero Fraud Liability;
    • Free online access to your Experian credit score;
    • Choose Your Payment Due Date.
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Reflex Mastercard®​ Celtic Bank
Apply now
Our Rating:
0.53 out of 5
scorer
Recommended credit score
No Credit History to Good (0-739)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $125 for the first year. $96 annually after the first year.
  • Purchase Intro APR:
    None
  • Regular APR:
    See terms%
  • Balance Transfer APR:
    None
  • Issuer name:
    Celtic Bank
  • Details:

    A Reflex Mastercard® is one of America's leading marketers and servicers credit cards for consumers with less-than perfect credit.

    With $0 Fraud Liability you will not be held responsible for unauthorized charges on your Reflex credit card. With zero fraud liability you are only responsible for purchases that you make, so you can shop with confidence and know that your card activity is fully protected.

    A Reflex Mastercard® with an initial credit limit that ranges from $300 to $1000 gives you the financial clout you need.

    Monthly Maintenance Fee: $0 - $120.00 annually (billed at $0 - $10.00 per month). Monthly Maintenance Fee not billed for the first 12 months your account is opened. Additional Card Fee is $30.00 (one time, if applicable).

    The Reflex credit card can be used as an effective tool to build credit.

  • Pros:
    • Chance to get a higher credit limit
    • All credit scores are welcome to apply
    • Reports to three bureaus
    • Check if you prequalify without affecting your credit score
    • No deposit required
  • Cons:
    • No rewards
    • High Regular APR
    • High annual fee
    • Monthly maintenance fee
    • Additional card fee
    • Foreign transaction fee
  • Benefits:
    • $0 Fraud Liability;
    • Potential Credit Limit Increase After Just 6 Months;
    • Free Monthly Credit Score;
    • Monthly Reporting to All Three Major Credit Bureaus;
    • Credit Protection program.
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Navy Federal Credit Union Platinum best for 0 APR

Navy Federal Credit Union® Platinum
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Our Rating:
4.17 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    5.99% - 18.00% Variable.
  • Balance Transfer APR:
    5.99% - 18.00% Variable.
  • Issuer name:
    Navy Federal Credit Union
  • Details:

    The Navy Federal Platinum Credit Card offers one of the lowest interest rates on purchases and balance transfers ranging from 5.99% to 18% Variable. Plus, there are no balance transfer fees and there’s no annual fee. There’s also a 0% intro APR period on balance transfers for the first 12 months.

    Members also have access to the host of protections provided by Visa, including collision damage waivers, travel and emergency assistance, and protections for purchases to cell phones or any item with a warranty.

    If you’ve temporarily misplaced your credit or debit card, you can freeze the card while you look for it. Once you locate the card, you can unfreeze it in seconds and continue using it.

  • Pros:
    • No Foreign Transaction Fee
    • No Annual Fee
    • Intro APR period on Balance Transfers
  • Cons:
    • No rewards
    • No 0% introductory offer on new purchases
  • Benefits:
    • Zero Liability policy;
    • FICO® Score;
    • Collision Damage Waiver;
    • Cell phone protection;
    • Travel and emergency assistance;
    • Ability to Freeze and Unfreeze Your Account.
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GM BuyPower Capital One
Apply now
Our Rating:
3.85 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Earnings on your first $5,000 in purchases every year, then 2% unlimited Earnings on purchases after that.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Introductory APR for the first 12 months.
  • Regular APR:
    15.24% - 24.24% Variable.
  • Balance Transfer APR:
    15.24% - 24.24% Variable.
  • Issuer name:
    Capital One
  • Details:

    The GM BuyPower is strictly for those who plan to buy a GM vehicle in the future, or who now own one that they need to have regularly serviced.

    The GM BuyPower Card offers an introductory 0% APR for 12 months after opening an account. After that, your variable APR will be between 15.24% to 24.24%.

    You’ll earn 5% rewards cash (“Earnings”) on the first $5,000 in purchases every year, not just in the first year. That’s $250 in rewards if you can reach $5,000 in spending each year and you’ll continue earning unlimited 2% if you keep using your card.

    There are two ways to redeem your BuyPower earnings — when you purchase or lease a new car, or towards vehicle care and GM extras. Keep in mind earnings can only be used on a new vehicle, not a pre-owned one. The most flexible redemption option — a statement credit on purchases of accessories and maintenance — is capped at $250 annually.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
    • Intro APR on purchases
  • Cons:
    • Limited redemption options
    • Some redemptions are capped
  • Benefits:
    • 5% Cash back on your first $5,000 in purchases every year, 2% Cash Back after that;
    • Zero-liability protection;
    • Extended Warranty Protection;
    • Events and experiences;
    • Rental home access;
    • Cellphone coverage;
    • Trip cancellation insurance;
    • Insurance coverage for lost or delayed luggage;
    • Car-rental insurance;
    • Airport concierge access;
    • Shoprunner membership.
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