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Do You Know Someone in the Military? These Credit Cards Will Waive Their Annual Fees!

Do You Know Someone in the Military? These Credit Cards Will Waive Their Annual Fees!

Million Mile SecretsDo You Know Someone in the Military? These Credit Cards Will Waive Their Annual Fees!Million Mile Secrets Team

I interviewed Andy from Military Money Manual and he mentioned that American Express waives his credit card fees under the Servicemembers Civil Relief Act.  However, American Express isn’t required to do this.

Do You Know Someone In The Military These Credit Cards Will Waive Their Annual Fees
American Express Waived Andy’s Annual Fees Because He’s Active Military

Servicemembers Civil Relief Act

Link:   Servicemembers Civil Relief Act

The Servicemembers Civil Relief Act (SCRA) is a federal law designed to financially protect active duty military.  Some ways this laws helps is by capping credit card interest rates at 6 percent and the ability to end a housing lease in the event of transfers.

American Express Goes Above and Beyond

However, American Express (and a few other banks) have decided to go above and beyond the requirements of the Servicemembers Civil Relief Act.  American Express not only limits interest rates on credit cards at 6 percent for active duty military members, they also waive annual fees on credit cards!

In addition to waiving annual fees they also remove:

  • Overlimit fees
  • Late payment fees
  • Returned payment fees
  • Statement copy request fees

How to Get Your Fees Waived

Do You Know Someone In The Military These Credit Cards Will Waive Their Annual Fees
Call AMEX to Get Your Fees Waived

You can get your fees waived by calling the number on the back of your American Express card or one of the following numbers:

  • 800-253-1720
  • 800-528-4800

and telling them you are an active duty military member and heard that AMEX offers annual fees waivers under the Servicemembers Civil Relief Act.

You may be asked several questions regarding your active duty service.  AMEX will also verify the information with the Department of Defense.  It could take a few months before your annual fees are waived.  I’d recommend you start the process several months before your annual fees are due.

Who Else Waives Fees?

Via The Military Frequent Flyer, American Express isn’t the only bank that waives credit card annual fees for active duty military members.

You can also get your credit card annual fees waived by:

Making the Most of the Fee Waiver

Do You Know Someone In The Military These Credit Cards Will Waive Their Annual Fees
Because Active Military Pay NO Annual Fee, They Should Apply for Cards With High Fees!

Having your annual fees waived on all your American Express cards is a great deal!

There are 3 cards with outstanding benefits (terms & limitations apply) that have annual fees for folks NOT in active military service:

You get free airport lounge access and a $200 annual statement credit from the airline of your choice from the Platinum American Express.

Do You Know Someone In The Military These Credit Cards Will Waive Their Annual Fees
You Can Get $200 Credit On US Airways

You get 10,000 elite qualifying miles from your 1st purchase and can earn up to 30,000 additional elite qualifying miles from spending with the American Express Delta Reserve card.  Delta points can be hard to redeem for low level availability but they can come in handy, especially if you want to send your wife to the Dominican Republic for her birthday!

Do You Know Someone In The Military These Credit Cards Will Waive Their Annual Fees
I Used Delta Miles to Treat Kirsten & Emily to a Week in the Dominican Republic

You can transfer points from the American Express Starwood Preferred Guest card to ~ 30 airlines or use points for cheap stays at Starwood hotels.

Bottom Line

If you’re an active duty military member (or know someone who is!) you can get your credit card annual fees waived by American Express, Bank of America, Capital One, Chase, and Citibank.  And thanks for your service!

Via Cardhub, Capital One will also waive annual fees for Reservists and National Guard members.  And according to the Department of Justice, Reservists and National Guard (active duty) members qualify for a waiver of credit card annual fees.

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Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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Synchrony Bank (formerly GE Capital) changed their interest rate for those who qualify for SCRA down to 0%

We revived over $4K back from Capital One on a very old very closed card (acct last used prior to '07 and was under SM spouse name)

Something that is not clear in this article but should be pointed out is there are 2 companies in particular (Barclays and American Express) - that not ONLY waive the fee's BUT ALL INTEREST as well. This is a huge benefit. If you need to carry a balance it will be at 0% as long as you are active duty, and NOT only on balances incurred prior to service, but on all balances! Barclays even goes so far as to retroactively refund all fee's and interested EVER CHARGED on the card since you became active duty.

So...these two companies go well beyond the minimum requirements under SCRA. Just FYI everyone.

Katherine did you contact Target red card directly or send it through TD bank?

Both Credit One and First Premier will honor SCRA if you've had the account before you joined the military. They will also do it if your spouse had the account before you joined.

How did you proceed with First Premier about the SCRA?

We have had success with- Capital One, Discover, Kay Jeweler, Target Redcard.

I was wondering if anyone has tried with Credit One or First Premier?

We have received rejections from Victoria's Secret and PayPal Credit, which were mailed out the same day. We haven't heard anything, positive or negative from those two yet!

Thanks!

Katherine, could you pass along the contact info for Kay Jeweelers and Target bank? What benefits did they offer and is there a particular way to contact them to obtain benefits (aside from their basic customer service info)?

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