Best Credit Cards for Veterans in 2025

For veterans looking to earn rewards, build credit, or save money on everyday purchases, choosing the right credit card can make a big difference. The best credit cards for veterans in 2025 combine military-friendly benefits, low fees, and perks tailored to those who’ve served.

In this guide, we’ll highlight top credit cards that stand out for veterans and military families—and explain what to look for based on your financial goals.

What Makes a Credit Card Veteran-Friendly?

When evaluating credit cards for veterans, consider:

• No annual fees (or waived for active-duty under SCRA)
• Low or 0% intro APR offers
• Military rewards programs (cash back, points, travel)
• Security features and fraud protection
• Strong customer service from banks familiar with veteran needs

Some credit card issuers also provide benefits like deployed payment relief, access to VA loan mortgage teams, or military-specific financial planning tools.

Top 5 Credit Cards for Veterans in 2025

1. Navy Federal More Rewards American Express® Card

Why it stands out: Made for veterans by a credit union that serves military families.

• 3X points at restaurants and gas
• No annual fee, no balance transfer fee
• Access to exclusive veteran-only benefits via Navy Federal Credit Union

Best for: Everyday spending and loyalty to a veteran-focused credit union

2. USAA® Preferred Cash Rewards Visa Signature® Card

Why it stands out: Cash back with simplicity and strong USAA service.

• 1.5% unlimited cash back
• No annual fee, no foreign transaction fee
• Active-duty SCRA benefits (APR capped at 4%)

Best for: Veterans already banking with USAA

3. PenFed Power Cash Rewards Visa Signature® Card

Why it stands out: Solid rewards, especially if you have a PenFed Access America account.

• Up to 2% cash back on all purchases
• No annual fee
• Military and veteran-friendly credit union

Best for: Flexible rewards and low interest

4. Chase Sapphire Preferred® Card

Why it stands out: One of the top travel cards—great for veterans who travel often.

• 2X points on travel and dining
• 60,000 bonus points (after meeting spend requirements)
• $95 annual fee (waived under SCRA for active-duty military)

Best for: Veterans who travel and want high-value rewards

5. American Express Platinum® Card

Why it stands out: Premium perks, especially for active-duty (no annual fee under SCRA).

• Lounge access, $200 airline credit, hotel perks
• 5X points on travel booked via Amex Travel
• Normally $695 annual fee waived under SCRA

Best for: Veterans who travel frequently and want luxury benefits (and who qualified for fee waivers previously)

What to Watch Out For

Even with great offers, always look for:

• Interest rates after intro periods
• Late payment or balance transfer fees
• Terms and conditions on reward categories
• Eligibility requirements (some cards require military affiliation)

Should You Consider a Military Credit Union Card?

Yes—cards from Navy Federal, USAA, and PenFed often come with lower fees, better service, and a deeper understanding of military life.

They may also offer:

• Deployment benefits
• Better fraud protection
• Personalized customer support

Final Thoughts: Best Credit Card for You?

The right credit card depends on your goals:

• Want travel rewards? Chase Sapphire or Amex Platinum
• Prefer simplicity and no fees? USAA or PenFed cards
• Want to bank with a military credit union? Navy Federal has you covered

Before applying, check your credit score, compare terms, and be sure the card fits your lifestyle.

Related Tools:

• VA Loan Affordability Calculator
• Ask VA AI Tool
• VA Disability Benefits Guide

Disclaimer: This content is for informational purposes only and does not constitute financial or legal advice. VeteransMoneyGuide.com is not affiliated with the VA, credit card issuers, or any government agency.