Credit Cards

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.

Amex Annual Fee Waiver for Active Duty (MLA)

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.

Citi Military Annual Fee Waiver (MLA)

Citi waives annual fees and applies SCRA/MLA interest caps for active-duty cardholders on personal Citi cards including the Citi Premier and Citi Double Cash.

GTC — Government Travel Charge Card

DoD-issued Citi Visa for official travel only. No annual fee, no impact on personal credit utilization, government-pay-direct option for hotel charges. Mandatory for most TDY travel — JTR requires GTC use over personal cards for orders-paid travel.

Capital One VentureOne — No Foreign Transaction Fees + No Annual Fee (Good OCONUS Card)

Capital One VentureOne has no foreign transaction fees and no annual fee for all cardholders — not a military-specific perk, but a solid pick for OCONUS PCS or overseas leave. No FX fees on every swipe abroad, no annual cost to carry. Capital One also complies with SCRA/MLA minim