Chase Sapphire Military - You are here: Home / Credit Cards / Why the Chase Sapphire Reserve is the best card for active duty military
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Chase Sapphire Military
Those who serve in the military sacrifice so much for our country. There are many aspects of being an active service member that can make life stressful for those who serve. It's always good to see companies doing things to help those serving in the military. Chase has waived annual fees on ALL personal credit cards, including the Chase Sapphire Reserve®, for active members.
Why The Sapphire Reserve Is The Best Card For Active Duty Military
The Chase Sapphire Reserve card charges an annual fee of $550 because of the excellent benefits of having the card. With the waiver, you can enjoy all the fantastic benefits the card offers for free! The card now offers a welcome bonus of 60,000 points to new card members after they spend $4,000 in the first 3 months of opening your account.
Receiving the benefits of the card, including the welcome bonus, without having to pay the annual fee is a phenomenal deal. If that's not enough, I'll show you why I think the Sapphire Reserve is the best card for active duty military.
To comply with the Military Lending Act (MLA) and Servicemembers Civil Relief Act (SCRA), Chase has waived annual fees on all personal credit cards. To be eligible for these benefits, you must be on active duty for at least 30 days. If you qualify, these benefits can be easily applied to your account. Please note that business cards are not eligible for these benefits.
When you apply for a Chase card, Chase will reportedly automatically match your social security number to the Department of Defense database. To confirm this or if you have any other questions, please call Chase's military department at 1-877-469-0110. If you are abroad, you can call collect at 1-318-340-3308. Once your eligibility is confirmed, you will be issued a credit statement for the annual fee.
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The discount is only valid on credit card accounts opened after September 20, 2017. If your card was opened before that date, you can simply open another account and have the benefits applied to that account.
Travel Credit - The Chase Sapphire Reserve Card comes with an annual travel credit of $300. This credit is automatically transferred to your account when you make purchases that are classified as travel. This can include things from plane tickets to parking garages. And since you didn't pay the annual fee, Chase literally gives you $300 for free!
Increased value with Chase Travel Portal – With this card, your points are worth 1.5 cents per stay. points when purchased through the Chase Travel Portal. You can easily book flights, hotel rooms, rental cars, tours and more with your points through the portal. For example, you can buy a $300 airline ticket with just 20,000 Ultimate Rewards points.
PreCheck or Global Entry Fee Credit - The Sapphire Reserve Card also comes with a fee credit of up to $100 on your TSA PreCheck or Global Entry application. Simply pay the application fee with this card and Chase will credit your account. That's right, more free money! If you already have PreCheck, you can also use the credit to pay for someone else's application. I did this for two of my kids.
Servicemembers Civil Relief Act And Credit Cards
Priority Pass membership – When you have the Sapphire Reserve card you also get free membership in the Priority Pass lounge. There are over 1,000 airport lounges worldwide that you can access for free. In addition, you can also take up to 2 guests with you to the lounges for free. There are also several airport restaurants that give you a dining credit as part of your membership.
There are several other great benefits included just for having this card. You can read about these in my full review of the Chase Sapphire Reserve card here.
Chase has several cards to choose from, but I would definitely start with the Chase Sapphire Reserve card. I think the card has the best benefits of any card on the market. However, the AMEX Platinum is another excellent card that active military members should consider. I would review the benefits of both cards and choose the one that best suits your personal circumstances.
If you like both cards, there's nothing that says you can't have both. Just make sure to place them to ensure you can earn both welcome bonuses. You'll also want to keep Chase's 5/24 rule in mind and prioritize these cards first as you add more cards to your wallet.
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Chase World Of Hyatt Card – Hyatt is my favorite hotel loyalty program because it offers great value. Hyatt is one of Chase's transfer partners, so it's easy to redeem your points and take advantage of the benefits of having the card. Now new cardholders can earn 30,000 bonus points after spending $3,000 within 3 months of opening your account. Plus, up to 30,000 more bonus points by earning 2 total bonus points per dollar spent in the first 6 months. from account opening on purchases that normally earn one point, up to $15,000 spent
Chase Freedom Unlimited® – This card doesn't charge an annual fee, but it's one you should definitely consider having. You earn 1.5 unlimited points per dollars spent on all purchases. This card is a perfect compliment to the Sapphire Reserve and can help you maximize the number of points you can earn. This card currently offers 20,000 Ultimate Rewards points to new card members after spending just $500 in the first 3 months. Plus, earn 1.5% extra cash back on the first $20,000 you spend in the first year. This can be worth up to an additional $300 or 30k Ultimate Rewards points.
Marriott Bonvoy Boundless™ Credit Card – The Boundless card gives you free silver status plus a free award night after each anniversary year worth up to 35,000 points. This card also gives new cardmembers 3 free nights (worth up to 50,000 points per night) after qualifying purchases.
I've always loved the Chase Sapphire Reserve card because it comes with so many great benefits. With the annual fee waived for active members, this card is a slam dunk. When you consider the $300 annual travel credit, it's like they're paying you to have the card. If you are on active duty in the military, the Sapphire Reserve is the best card, in my opinion, to have in your wallet. Military Money Manual has partnered with CardRatings for our coverage of credit card products. Military Money Manual and CardRatings may receive a commission from card issuers. Opinions, reviews, analysis and recommendations are solely those of the author and have not been reviewed, endorsed or approved by any of these entities. Thank you for supporting my independent, veteran-owned site.
Save Major Money With These Citibank Credit Card Military Benefits
The best military benefit of the Chase Sapphire Reserve® Card is the $550 annual fee waiver with the Military Lending Act, or MLA.
Active duty US military service members, such as the Guard and Reserve, and their military spouses qualify for Military Lending Act fee waivers on any Chase card.
My wife (who is civil) and I both have the Chase Sapphire Reserve Card with the annual fee waived. It's great that we both get $300 in travel credits each year AND pay no annual fees!
Chase waives the annual fee on all personal credit cards for active duty military service members and their spouses. This policy began with any card opened after September 20, 2017.
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This includes the National Guard, Air National Guard, and Reserves in the Army, Navy, Marine Corps, Air Force, and Coast Guard Reserves on Title 10 or Title 32 orders of more than 30 days.
For Chase military credit card customers, the Military Lending Act (MLA) applies. You can check your MLA status on the MLA database website.
Each credit card company has a different interpretation of the MLA. Chase MLA's policy is to charge no annual fee on personal credit cards for military service members.
Please note that Chase charges annual fees on business credit cards for military service members. That said, Chase business cards often have no annual fee regardless of MLA and offer a $500+ welcome bonus.
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Chase's MLA program is similar to American Express's SCRA annual fee waiver. However, American Express is even more generous, extending fee waivers to any personal or business account opened after active duty begins.
Amex has extended this military benefit for over a decade. All of the United States
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