How Active Duty Military Can Get Premium Credit Cards 100% Free

How Active-Duty Military Can Get Premium Credit Cards 100% Free

If you're active duty military, you can qualify for top tier premium credit cards like the Chase Sapphire Reserve, Amex Platinum, and Citi Prestige completely free. You'll pay $0 in annual fees on cards that normally cost hundreds per year.

This little-known military money hack is thanks to the banks' interpretation of the Military Lending Act (MLA). The MLA protects active duty service members from certain lending practices and caps interest rates.

For years, banks like Chase, Amex, and Citi have been waiving annual fees on their premium rewards cards for active duty as a show of support. The banks confirmed this benefit also extends to spouses of active duty members.

To qualify, you simply need:

• Active duty military status

• A credit score of 720 or higher

That's it! There are no other catches or fees. You'll save over $1,300 in annual fees when combining cards like:

• Chase Sapphire Reserve ($550 fee waived)

  

• Amex Platinum Card ($695 fee waived)

  

• Citi Prestige Card ($495 fee waived)

  

These premium cards offer incredible travel perks, rewards points, airport lounge access, and more. The Sapphire Reserve earns 3x on dining and travel. The Amex Platinum offers a $200 airline fee credit. And the Citi Prestige provides 4th night free hotel stays.

The application process is easy. Simply indicate your active duty status when applying. After approval, your annual fees will be waived each year you renew the card.

Take advantage of this military benefit to enjoy first class travel rewards, even when Uncle Sam is demanding so much. You serve our country, so save money when you can.

Have you used this hack to get premium cards for free? What's your favorite military credit card perk?