Amex Annual Fee Waiver for Active Duty (MLA)

Active Duty
Verified
Last checked: 2026-05-14

American Express waives ALL annual fees on personal and business cards for active-duty service members under the Military Lending Act. This includes Platinum ($895), Gold ($325), Green ($150), and every Delta/Hilton/Marriott co-brand card.

How to access

Restrictions

The Platinum's $200 airline credit + $200 hotel credit + $189 CLEAR credit + lounge access still all apply with the fee waived. Amex Gold's $120 dining + $120 Uber credits still apply. Business cards also covered by Amex policy (beyond MLA's legal minimum). The right play: collect multiple Amex personal + business cards while active-duty; keep the credits, skip the fee. Upon separation, fees retur

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