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Many of my co-workers, NCOs and Officers, are constantly asking me: which one is the best credit card they can apply for? The answer/s is usually the same:
If you do not have credit, I usually say, apply first for a Military Star card and after a good six months apply for a USAA card or a CapitalOne, or perhaps a credit Union credit card, Service Credit Union. For those whose credit is established I recommend the Chase MasterCard Military Star card since it has excellent rewards. Also, they can apply for a USAA Amex or MasterCard World. Obviously, I also tell them to apply for other ccs, yet I will like to create a list, which I have not been able to find in this forum, that list some banks, service unions, etc. that are friendly towards military personnel.
So, what else would you recommend beside USAA, Service Credit Union, PenFed, Bank of America, Navy Credit Union. Any other ideas?
@HoahCredit wrote:USAA Bank, Service Credit Union, PenFed Credit Union, and Navy Federal Credit Union.
Those that you referenced above compile the list that I would recommend.
There's got to be more than just this.
@HoahCredit wrote:There's got to be more than just this.
There is, but the ones listed so far are the ones known to be more lenient in or generous in lending when it comes to military members. Another one to look at would be Security Service FCU. Kirtland FCU is another but I think they serve local military members, im not too sure.
Noah, the answers you have received are the best answer to "Who is best for military?". NFCU and USAA (for full membership) both have membership requirements that not everyone can meet. PenFed and the others are more open but are more lenient to service members needs. And as you pointed out the MilitaryStar options.
Other than those credit recommendations would be based on a persons credit profile and desire of what they want out of the card, the consideration of being in the military would be a non=factor other than for income purposes. (Probably not going to be invited for AMEX Centurion).
I think you guys are right. Hope this can help.