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Army MWR Credit Card

The Army MWR Credit Card is designed for active servicemembers, DOD civilians, retirees, and their families.

There’s no annual fee or foreign transaction fees, and you’ll earn cash back at the Commissary, the Exchange, and MWR Activities. You’ll also have access to Blue Star Deployment Benefits, which includes a 100% refund of interest and fees while deployed.

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Quick View

Quick View

  • Rewards
    • 2% cash back at the Commissary, the Exchange, and MWR locations
    • 1% cash back on all other purchases
  • Signup Bonus 2,500 bonus points for spending $250 in the first 3 months
  • Chip Technology Chip-and-Signature & Chip-and-PIN
  • Foreign Transaction Fee None
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR 10.24% *Variable
  • Cash Advance APR 10.24% *Variable
  • Penalty APR See Terms
  • Late Fee Up to $29
  • Returned Payment Fee Up to $15

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.




  • Purchase Protection

    Provides coverage against damage and theft for eligible purchases for 120 days.

  • Extended Warranty Protection

    Extends a U.S. manufacturer’s warranty by an additional year, for warranties of 3 years or less.


  • Travel and Emergency Assistance Services

    Call for help in a variety of emergency situations, for advice and referrals (must pay for any goods or services obtained)

  • Baggage Delay Insurance

    Covers essential purchases like toiletries and clothing when your bags are delayed over 6 hours, up to $100 per day for 3 days.

  • Auto Rental Collision Damage Waiver

    Provides coverage against collision and theft of rented vehicles, as long as the rental company’s own insurance is declined.

  • More Travel and Shopping Benefits

    For a full list of the benefits available to you, see your Guide to Benefits or call customer service at 1-800-759-0294.

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