Exchange Shoppers Can Manage Holiday Budgets with MILITARY STAR Fixed Payment Plans

DALLAS – Army & Air Force Exchange Service shoppers can complete their holiday shopping while sticking to their budgets by using the MILITARY STAR® card’s fixed payment plans.

The MILITARY STAR Pay Your Way plans allow shoppers to buy now and pay later by offering fixed monthly payments at a reduced APR of 9.99%. The plans are available at

  • 36 months for purchases from $300 to $499.99.
  • 36 months or 48 months for purchases from $500-$999.99.
  • 36 months, 48 months or 60 months for purchases over $1,000.

Pricing minimums apply to the order total.

“The benefits of the Pay Your Way plans are simple: buy now, pay later. These plans give military shoppers the flexibility to manage their budgets, especially during the holiday shopping,” said Air Force Chief Master Sgt. Kevin Osby, the Army & Air Force Exchange Service’s senior enlisted advisor. “These plans are one of the many ways MILITARY STAR offers the military community responsible credit solutions.”

Military shoppers can estimate the monthly payment on qualifying purchases using the payment estimator located at MyECP.com/Calculator. Cardholders may use multiple Pay Your Way plans based on their available credit. Express and fuel locations are excluded.

Pay Your Way plans are available at in stores and at ShopMyExchange.com. Honorably discharged Veterans who have a MILITARY STAR card and have verified their eligibility to use their lifelong benefit at ShopMyExchange.com can use plans online.

As with all MILITARY STAR purchases, shoppers receive 2% in rewards points on Pay Your Way plan purchases. (Rewards exclude Military Clothing plan.) Cardholders earn a $20 reward every 2,000 points. Other benefits of the card include:

  • 10% off all first-day purchases when a new account is opened.
  • Free shipping on all ShopMyExchange.com and MyNavyExchange.com orders.
  • 5 cents off every gallon of gas at Exchange fuel locations and participating NEX and MCX fuel locations.
  • 10% off all Exchange restaurant purchases.
  • The lowest flat-rate APR (10.24%) among store cards—rate is offered to all cardholders upon account approval.
  • No annual, late or over-limit fees.
  • Reduced-interest deployment plan with no payments required for eligible customers.

The MILITARY STAR card is administered by the Army & Air Force Exchange Service and is accepted at all military exchanges. For more information, visit MyECP.com.

Facebook-friendly version: Making big purchases this holiday shopping season? Buy now, pay later. MILITARY STAR® Pay Your Way offer @shopmyexchange shoppers fixed monthly payments at a reduced APR of 9.99% for purchases starting at $300. Learn more about using Pay Your Way plans to help manage your budget: https://wp.me/p9Q7PG-1Rp.

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Since 1895, the Army & Air Force Exchange Service (Exchange) has gone where Soldiers, Airmen, Guardians and their families go to improve the quality of their lives by providing valued goods and services at exclusive military pricing. The Exchange is the 54th-largest retailer in the United States. 100% of Exchange earnings support military communities. In the last 10 years, your Exchange benefit has provided $3.4 billion in earnings for critical military Quality-of-Life programs. The Exchange is a non-appropriated fund entity of the Department of Defense and is directed by a Board of Directors. The Exchange is a 50th Anniversary Vietnam War Commemorative Partner, planning and conducting events and activities that recognize the service, valor and sacrifice of Vietnam Veterans and their families in conjunction with the United States of America Vietnam War Commemoration. To find out more about the Exchange history and mission or to view recent press releases please visit our website at http://www.shopmyexchange.com or follow us on Twitter at https://twitter.com/ExchangePAO.

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Media Notes:

For more information or to schedule an interview with an Exchange representative please contact Marisa Conner at 214-312-5111 or [email protected].

Follow the Exchange:

Facebook:  www.facebook.com/shopmyexchange

Twitter:  https://twitter.com/shopmyexchange

Instagram: @shopmyexchange