The Military Star Card

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The Military Star Card is a credit card that makes it easy for you to purchase items at any Military Exchange. Military personnel can also get a Star Card that lets them purchase retail goods and services off-base.

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Advantages of the Military Star Card

The Military Star Card offers several advantages. Some of the card’s benefits include:

  • No annual fee
  • You get 10 percent off your first day’s purchases
  • A 25-day interest-free grace period to help you avoid extra expenses
  • A low interest rate (10.24 percent for most purchases)
  • An even lower rate during deployment or military activation
  • Zero APR for military clothing purchases
  • Having a Military Star Card can also give you access to limited promotions that are restricted to cardholders. These promotions cane take place in exchanges or online.


The Military Star Card, in other words, is like a typical credit card, but you get more perks and pay lower interest. Like most credit cards, you can check your statement and make payments online.

Using the Military Star Card

You can only use the traditional Military Star Card Exchange stores, including those operated by the Navy, Coast Guard, Marine Corps, and Army. You can also use the card to purchase items online and from exchange catalogs.

If you want to use a military credit card to purchase goods and services off base, then you might consider the Military Stay Rewards MasterCard. This MasterCard gives you the same advantages as a regular Military Star Card, but you can use it at any store that accepts MasterCard. Plus, each purchase earns you points that you can exchange for rewards, including travel discounts and gift cards.

Applying for a Military Star Card

There are three ways to apply for a Military Star Card:

  • at a military base
  • by calling 1-877-891-7827 and applying on the phone
  • apply online by visiting the All Services Exchange Online Store


You must meet eligibility requirements to receive a Military Star Card. You can apply for a card if you are currently a member of the armed services. It doesn’t matter which branch you serve. You will need a military ID or Common Access Card (CAC) to start the application process. If you are a retired member of the military, you can also apply for a Military Star Card.

Eligibility requires more than just military service, though. You also need a healthy credit rating that shows you can handle credit responsibly. The military doesn’t want to give credit cards to people who do not know how to handle their finances. If you have a sub-prime rating, then you might not qualify for a card.

The Military Star Card is a very useful tool for active and retired military personnel. While many credit cards charge outrageous interest rates, annual fees, and late fees, the Star Card will help you avoid those extra expenses. That way, you can purchase the personal and military items that you need without going into debt.

Learn more about joining the military by filling out a no-obligation form.

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24 Responses to “The Military Star Card”


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military dot image Russel Minto    Thumb up 0 Thumb down 0

How do I lower my percentage rate while deployed?


military dot image mark enaje    Thumb up 0 Thumb down 0

how can I lower my interest rate while deployed?


military dot image Benjamin Stewart    Thumb up 0 Thumb down 0

Actually, I have a question rather than a comment. My name is Benjamin Stewart, USAF retired. I obtained a Military Star Card 6019441400361590 many years ago and haven’t used the card in over 7 years. I would like to know:

Is my card still active? If not, what do I need to do to reactivate it?

As a retiree, am I eligible for the Military Star Mastercard with a healthy credit rating of course? If so, how do I start the process?


military dot image Elizabeth Ray    Thumb up 0 Thumb down 0

to Benjamin Stewart – you might not have realized that your question would be posted on the website – it is, and has your credit card number posted! This is very scary, for your personal financial security! I suggest that you edit your comment to remove the number at once!!


military dot image Gwen    Thumb up 0 Thumb down 0

Can I go over on my credit limit on my military star card?


military dot image Bob Williamson    Thumb up 0 Thumb down 0

If I apply for a card and am approved how will the 10% off my first purchase work? Can I use it when I check out of my hotel and get 10% off my bill?


military dot image Connie Thompson    Thumb up 0 Thumb down 0

Can you give me the direct website to pull up my monthly statements. It takes me forever to click around in hopes that I eventually get to it. I’m to the point where I’m going to ask for paper statements again. Thanks


military dot image Jarrett Goodman    Thumb up 0 Thumb down 0

Im retired and have a star card. can my wife have her own card


military dot image Kim    Thumb up 0 Thumb down 0

I have a military star card but never use it. Can I use it for my hotel stay?


military dot image Terry    Thumb up 0 Thumb down 0

What does recovery mean, when an individual has a card, and than it states it was transferred due to recovery?


military dot image Norma Terrell    Thumb up 0 Thumb down 0

How do I apply for the Military Star credit card?


military dot image Jessica    Thumb up 0 Thumb down 0

I’m 4 moths behind on my start card due to resent loss of my job and have money to pay late fees and bring back active What can I do cause I already spoke to a mngr and they said its up to them


military dot image William Davis    Thumb up 0 Thumb down 0

Why is my Military Star Card not accepted at the Army Commissary?


military dot image Cindy    Thumb up 0 Thumb down 0

If you have a military star card and you get divorced can the dependent get their own card after the divorce?


military dot image kevin jiggetts    Thumb up 0 Thumb down 0

I am a military veteran with a 100% service connected disability ,my question is do I qualify for a military star card


military dot image richard paul    Thumb up 0 Thumb down 0

I need to get another military star card. also are payments getting to the right place for my military star/take it home plan. I started an allotment for both about a month ago and need to know if this getting taken care of. thank you and have a nice day.


military dot image Hugh O'Shields    Thumb up 0 Thumb down 0

To whom it may concern,

I received several hundred dollars on Military star Gift Cards and they are not working at my local Coast Guard Exchange. I am trying to figure out if they can only be used at certain places or only buy certain items. Any help in this matter would be greatly appreciated.
Thank you for your time and help.

Very Respectfully,

O’Shields, D. Hugh


military dot image KEON WATKINS    Thumb up 0 Thumb down 0

Can i use the traditional military star card to purchase giftcards


military dot image I Torrens    Thumb up 0 Thumb down 0

My husband just got out of the army,medical board. Van we can keep the star card,keep using it??


military dot image Jose Amaro Guerrero    Thumb up 0 Thumb down 0

How do I replace my old Military Star credit card. My old is all torn and falling apart?


military dot image Richard    Thumb up 0 Thumb down 0

I had an account that got behind and the treasury offset department used my income tax return to pay it off. Can I get a new one if I reapply. I have decent credit. Just wondering


military dot image Concerned American    Thumb up 0 Thumb down 0

I am beyond surprised at most of these comments. One leaves his credit card number, others can’t rub two common sense rocks together and come up with the solution of calling customer service to solve your issues.


military dot image Greg G. Palomo    Thumb up 0 Thumb down 0

Hafa adai. i am trying to find out as to how i can get the new star card that everyone else on Guam seems to have except me? I currently have a star card and was just wondering how come my card hasn’t been changed to the new one? Pls. advised….Thank you. Have a good day.


military dot image Michelle    Thumb up 0 Thumb down 0

How does a person go about replacing a broken card if there over seas


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