Military Shoppers Earn $39 Million in MILITARY STAR Rewards in 2023

The MILITARY STAR_® card makes a difference—a $439 million difference to the military community in FY2023.

$39 million of that came through the card’s rewards program in 2023. The program allows shoppers to earn unlimited 2% rewards on purchases everywhere the card is accepted, including all military exchanges and commissaries. Cardmembers automatically receive a $20 digital rewards card for every 2,000 points. Special double- and triple-point days occur throughout the year.

But it’s not just the rewards points that add up. The card delivers a substantial benefit not only to cardmembers but to the military community as a whole through its everyday discounts, special offers and fair and flexible terms.

Exclusive cardmember discounts contributed to shopper savings in 2023:

• $26 million from 0%-interest offers. Unlike most retail cards, MILITARY STAR never charges “back interest” when the promotion expires.
• $10 million from offering new cardmembers 10% off all first-day purchases. Special limited-time offers throughout the year increase the savings to 15%.
• $4 million from the everyday 10% discount at Exchange restaurants.
• $3 million from the everyday fuel discount of 5 cents per gallon of gas.
• $1 million from the everyday free standard shipping on ShopMyExchange.com and myNavyExchange.com.

The card has special benefits for active-duty service members that paid off in 2023 as well, including:

• $7 million from the Military Clothing Plan, which offers a $1,000 line of credit for qualifying uniform basics with no interest and no payments for 12 months.
• $1 million from the reduced-interest, no-payment deployment policy for eligible cardmembers. The reduced interest rate applies to qualifying cardmembers’ balance as well as during the length of deployment.

Cardmembers also saved through MILITARY STAR’s fair and flexible terms:

• $291 million from one low APR offered to all cardmembers, regardless of credit score. MILITARY STAR’s APR is the second-lowest among all retail credit cards.
• $25 million from never being charged any late, annual or over-limit fees.

Additionally, when shoppers use their MILITARY STAR cards, the Exchange saves on costly credit card transaction fees. In 2023, the military resale community saved $32 million on these fees, with nearly $21 million of that saved at Army & Air Force Exchange Service stores. Because 100% of Exchange earnings are re-invested in the military community, cost-savings help boost the Exchange’s support of on-installation Quality-of-Life programs.

For more information on the MILITARY STAR card benefits, visit https://aafes.media/milstarpa.