Top Travel Credit Cards for Military Personnel Now Available Without Annual Fees

The best travel credit cards for active duty military personnel and their spouses in 2026 are available without annual fees, thanks to waivers under the Military Lending Act (MLA) and Servicemembers Civil Relief Act (SCRA). These premium cards offer top-notch benefits like airport lounge access, trip insurance, and rewards programs that can save users money on travel expenses.

According to a guide, six credit cards consistently rank as the best military travel cards in 2026. The Chase Sapphire Reserve card earns 8X points on Chase Travel bookings, 4X on flights and hotels booked directly, and offers Priority Pass Select access to over 1,300 lounges worldwide.

The Platinum Card from American Express also stands out for its lounge access, with the Centurion Lounge network being considered one of the most exclusive in the industry. It also comes with a $200 airline fee credit and Global Entry or TSA PreCheck credit.