Chase Annual Fee Waiver for Active Duty (MLA)
Chase waives most personal-card annual fees — including Sapphire Reserve and Sapphire Preferred — for accounts opened or held while on active-duty Title-10 orders. Waiver flows from the Military Lending Act.
How to access
Restrictions
Open the card while active-duty to lock in the waiver from day one. Sapphire Reserve ($795 annual fee) still earns the $300 travel credit + lounge access with the fee waived — that's the actual play. Business cards NOT covered. Activated Reserve cardholders who later separate keep the card but the fee returns at next renewal.
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