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Americas > United States of America > Useful Info
Submitted on Apr 21, 2020 Useful Info

Choosing the Right Card To Meet Your Needs

Picking a new credit or debit card? There are a lot of options out there, but for active-duty military or veterans, there are a few options that stand above the rest. Whether looking for a card to travel with, or one to build up your credit history, follow this guide for a quick introduction to some of the best credit and debit cards available.

For Travelers

For those who make traveling a priority, the Chase Sapphire Reserve card has long been lauded as the best points card for travelers. With its 3X points for travel and dining worldwide, $300 travel credit and much more, this card has found its place in wallets around the globe. For active-duty military members, the annual $495 fee is waived. For veterans, this card is a great choice for building up travel points to tour the world. After looking into the various benefits, see if this card is right for you.

For Low Charge or No Charge People

If the $495 fee seems high, then look at the Navy Federal Credit Union for some exciting card options that support veterans and active duty alike. The military credit union offers a variety of card options, such as the Navy Federal Credit Union Platinum card, all of which offer zero liability for unauthorized transactions and no foreign or balance transfer fees. Don’t forget to see if you qualify for 7.49% APR for the Platinum card. If looking to avoid a credit card altogether, check out the Navy Federal Debit card for secure and easy payments, without the fees. These are just some of the benefits of working with a bank that is built to support military members, veterans and their families.

For the Simply Banking Customers

Ranked by US Veterans for its veteran and active-duty friendly banking policies, PNC offers great credit and debit card options. The PNC debit cards give rewards such as cashback for places you regularly shop and special savings with your Visa debit card. The PNC Cash Back card gives you up to 4% cash back on gas purchases. For simple banking with peace of mind, the PNC debit card is a great choice for military members and veterans alike. When looking for ease of use, PNC has a variety of options to meet your needs.

For the No Frills Crowd

When shopping for a card with a low rate and simple use, look at the USAA Rate Advantage Visa Platinum Card. With APR rates as low as 6.90%, no foreign transaction fees and no annual fees, this card offers an amazing option for those who have great credit. It is important to note, this card is focused on providing simple benefits, and therefore does not have any points or cashback offers to earn. If you are after a simple credit card, this is the card for you. Don’t forget that only USAA members qualify for this offer.

For the Point Collectors

If you are one of those people who have points, but limited time to use, then the Wells Fargo Propel American Express Card may be the perfect card for you. While the Propel card offers the usual, first year 0.00% APR and annual fee waived for active-duty military, it is especially useful for those who may not want to use card points right away. The Go Far Rewards don’t expire, have no blackout dates and redemption options starting from 2,500 points. Active duty members transitioning out of the military will find this card useful for building up a point base, that will carry over into civilian life.

No matter which card you go with you want to ensure that it works with your lifestyle. Make sure that your bank and credit card are providing the most rewards possible. When choosing your card, take the time to review the benefits available, noting that sometimes to get fees waived you may need to call the service directly.