{"id":11245,"date":"2025-04-24T10:30:04","date_gmt":"2025-04-24T10:30:04","guid":{"rendered":"https:\/\/publicaffairs-sme.com\/ExchangePost\/?p=11245"},"modified":"2025-10-28T18:14:08","modified_gmt":"2025-10-28T18:14:08","slug":"it-pays-to-use-a-military-star-card-more-than-473-million-in-value-delivered-to-the-military-community-in-2024","status":"publish","type":"post","link":"https:\/\/publicaffairs-sme.com\/ExchangePost\/2025\/04\/24\/it-pays-to-use-a-military-star-card-more-than-473-million-in-value-delivered-to-the-military-community-in-2024\/","title":{"rendered":"It Pays To Use a MILITARY STAR Card: More Than $473 Million in Value Delivered to the Military Community in 2024"},"content":{"rendered":"<p style=\"text-align: left\"><strong>DALLAS \u2013 <\/strong>The MILITARY STAR\u00ae card provided even more value for <a href=\"https:\/\/flic.kr\/p\/2qZD7eF\">service members and their families in 2024<\/a>, generating $473 million in value from its everyday rewards, savings and discounts that benefitted the entire military community.<\/p>\n<p>\u201cThe MILITARY STAR is a force multiplier in the Quality-of-Life of service members and their families,\u201d Exchange Credit Program Senior Vice President Tommy Ward said. \u201cWith fair and flexible terms, a low APR and no annual late fees, shoppers can rely on MILITARY STAR to help build credit or strengthen their financial readiness.\u201d<\/p>\n<p>Exclusive cardmember discounts contributed to shopping savings:<\/p>\n<ul>\n<li>$24 million from 0%-interest offers. MILITARY STAR never charges \u201cback interest\u201d when promotions expire.<\/li>\n<li>$8 million from offering new cardmembers 10% off all first-day purchases. Special limited-time offers throughout the year increase the savings to 15% off first-day purchases.<\/li>\n<li>$4 million from the everyday 10% discount at Exchange restaurants.<\/li>\n<li>$3 million from the everyday fuel discount of 5 cents per gallon of gas at Exchange fuel locations.<\/li>\n<li>$1 million from the everyday free standard shipping on ShopMyExchange.com and MyNavyExchange.com.<\/li>\n<\/ul>\n<p>Making purchases with a MILITARY STAR card comes with rewards \u2013 cardmembers earned $39 million in rewards in 2024. Cardmembers automatically receive a $20 digital rewards card for every 2,000 points. Special double- and triple \u2013 point days occur throughout the years.<\/p>\n<p>Cardmembers also now have more options about where they can make purchases and earn points towards rewards. In 2024, the Exchange Credit Program, administered by the Army &amp; Air Force Exchange Service, collaborated with Discover Global Network to expand acceptance of the card, including concessionaires, name-brand restaurants, third-party vendors, certain installation activities and more.<\/p>\n<p>The card\u2019s fair and flexible terms also yielded savings:<\/p>\n<ul>\n<li>$330 million from one low APR offered to all cardmembers, regardless of credit score. MILITARY STAR\u2019s 14.99% APR is the lowest among retail issued cards.<\/li>\n<li>$25 million from never charging late, annual or over-limit fees.<\/li>\n<\/ul>\n<p>The card also has special benefits for active-duty service members that paid off in 2024, including:<\/p>\n<ul>\n<li>$7 million from the Military Clothing Plan, which offers a $1,000 line of credit for qualifying uniform basics with no interest.<\/li>\n<li>$1 million from the reduced-interest, no-payment deployment policy for eligible cardmembers. The reduced interest rate applies to qualifying cardmembers\u2019 balance, as well as during the length of deployment.<\/li>\n<\/ul>\n<p>Additionally, MILITARY STAR cardmembers saved $31 million on merchant fees, avoiding costly credit card transactions. Cost-savings help boosts the Exchange\u2019s support of critical on-installation Quality-of-Life programs because the Exchange reinvests 100% of its earnings back into military communities.<\/p>\n<p><strong>Social-friendly version: <\/strong>Using a MILITARY STAR\u00ae card pays off! In 2024, the MILITARY STAR card delivered more than $473 million in value from its fair and flexible terms, one low APR and its everyday savings, rewards and discounts. Read more: <a href=\"https:\/\/wp.me\/p9Q7PG-2Vn\">https:\/\/wp.me\/p9Q7PG-2Vn<\/a><\/p>\n<p style=\"text-align: center\">&#8212; 30 &#8212;<\/p>\n<p>Since 1895, the Army &amp; 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 52nd-largest retailer in the United States. 100% of Exchange earnings support military communities. In the last 10 years, the Exchange benefit has provided $15 billion in value to the military community, including through contributions to 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 <a href=\"http:\/\/www.shopmyexchange.com\">http:\/\/www.shopmyexchange.com<\/a> or follow us on X at <a href=\"https:\/\/x.com\/ExchangePAO\">https:\/\/x.com\/ExchangePAO<\/a>.<\/p>\n<p style=\"text-align: center\">###<\/p>\n","protected":false},"excerpt":{"rendered":"<p>DALLAS \u2013 The MILITARY STAR\u00ae card provided even more value for service members and their families in 2024, generating $473 million in value from its everyday rewards, savings and discounts that benefitted the entire military community. \u201cThe MILITARY STAR is a force multiplier in the Quality-of-Life of service members and their families,\u201d Exchange Credit Program [&hellip;]<\/p>\n","protected":false},"author":34,"featured_media":11285,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[317,314,25],"tags":[160,174,106,107,35,42],"class_list":["post-11245","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ecp","category-military-star","category-press_releases","tag-aafes","tag-army-air-force-exchange-service","tag-army-and-air-force-exchange-service","tag-exchange","tag-military","tag-military-star"],"parsely":{"version":"1.1.0","canonical_url":"https:\/\/publicaffairs-sme.com\/ExchangePost\/2025\/04\/24\/it-pays-to-use-a-military-star-card-more-than-473-million-in-value-delivered-to-the-military-community-in-2024\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"It Pays To Use a MILITARY STAR Card: More Than $473 Million in Value Delivered to the Military Community in 2024","url":"http:\/\/publicaffairs-sme.com\/ExchangePost\/2025\/04\/24\/it-pays-to-use-a-military-star-card-more-than-473-million-in-value-delivered-to-the-military-community-in-2024\/","mainEntityOfPage":{"@type":"WebPage","@id":"http:\/\/publicaffairs-sme.com\/ExchangePost\/2025\/04\/24\/it-pays-to-use-a-military-star-card-more-than-473-million-in-value-delivered-to-the-military-community-in-2024\/"},"thumbnailUrl":"https:\/\/publicaffairs-sme.com\/ExchangePost\/wp-content\/uploads\/sites\/3\/2025\/04\/54354722690_5c6e425a02_c.jpg?w=150&h=150&crop=1","image":{"@type":"ImageObject","url":"https:\/\/publicaffairs-sme.com\/ExchangePost\/wp-content\/uploads\/sites\/3\/2025\/04\/54354722690_5c6e425a02_c.jpg"},"articleSection":"ECP","author":[{"@type":"Person","name":"Zach Wright"}],"creator":["Zach Wright"],"publisher":{"@type":"Organization","name":"The Exchange Newsroom","logo":""},"keywords":["aafes","army &amp; air force exchange service","army and air force exchange service","exchange","military","military star"],"dateCreated":"2025-04-24T10:30:04Z","datePublished":"2025-04-24T10:30:04Z","dateModified":"2025-10-28T18:14:08Z"},"rendered":"<script type=\"application\/ld+json\" class=\"wp-parsely-metadata\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"NewsArticle\",\"headline\":\"It Pays To Use a MILITARY STAR Card: More Than $473 Million in Value Delivered to the Military Community in 2024\",\"url\":\"http:\\\/\\\/publicaffairs-sme.com\\\/ExchangePost\\\/2025\\\/04\\\/24\\\/it-pays-to-use-a-military-star-card-more-than-473-million-in-value-delivered-to-the-military-community-in-2024\\\/\",\"mainEntityOfPage\":{\"@type\":\"WebPage\",\"@id\":\"http:\\\/\\\/publicaffairs-sme.com\\\/ExchangePost\\\/2025\\\/04\\\/24\\\/it-pays-to-use-a-military-star-card-more-than-473-million-in-value-delivered-to-the-military-community-in-2024\\\/\"},\"thumbnailUrl\":\"https:\\\/\\\/publicaffairs-sme.com\\\/ExchangePost\\\/wp-content\\\/uploads\\\/sites\\\/3\\\/2025\\\/04\\\/54354722690_5c6e425a02_c.jpg?w=150&h=150&crop=1\",\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/publicaffairs-sme.com\\\/ExchangePost\\\/wp-content\\\/uploads\\\/sites\\\/3\\\/2025\\\/04\\\/54354722690_5c6e425a02_c.jpg\"},\"articleSection\":\"ECP\",\"author\":[{\"@type\":\"Person\",\"name\":\"Zach Wright\"}],\"creator\":[\"Zach Wright\"],\"publisher\":{\"@type\":\"Organization\",\"name\":\"The Exchange Newsroom\",\"logo\":\"\"},\"keywords\":[\"aafes\",\"army &amp; 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Cardmembers save 5 cents on every gallon at Army & Air Force Exchange Service\u2026","rel":"","context":"In &quot;ECP&quot;","block_context":{"text":"ECP","link":"https:\/\/publicaffairs-sme.com\/ExchangePost\/category\/directorates\/ecp\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/publicaffairs-sme.com\/ExchangePost\/wp-content\/uploads\/sites\/3\/2025\/05\/FuelSavingsDiscount_119c74.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/publicaffairs-sme.com\/ExchangePost\/wp-content\/uploads\/sites\/3\/2025\/05\/FuelSavingsDiscount_119c74.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/publicaffairs-sme.com\/ExchangePost\/wp-content\/uploads\/sites\/3\/2025\/05\/FuelSavingsDiscount_119c74.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/publicaffairs-sme.com\/ExchangePost\/wp-content\/uploads\/sites\/3\/2025\/05\/FuelSavingsDiscount_119c74.jpg?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":2590,"url":"https:\/\/publicaffairs-sme.com\/ExchangePost\/2018\/08\/22\/the-military-star-card-earns-service-members-families-27-5-million-in-2017\/","url_meta":{"origin":11245,"position":1},"title":"The MILITARY STAR Card Earns Service Members, Families $27.5 Million in 2017","author":"Marisa Conner","date":"August 22, 2018","format":false,"excerpt":"DALLAS \u2013 Military Exchange shoppers who use MILITARY STAR\u00ae cards don\u2019t just save money, they earn it\u2014and the entire military community is benefiting. In 2017, the Exchange Credit Program paid cardholders $27.5 million in personal dividends through rewards cards shoppers earned by using a MILITARY STAR card at exchanges in-store\u2026","rel":"","context":"In &quot;Press Releases&quot;","block_context":{"text":"Press Releases","link":"https:\/\/publicaffairs-sme.com\/ExchangePost\/category\/categories\/press_releases\/"},"img":{"alt_text":"Military Star Card","src":"https:\/\/i0.wp.com\/publicaffairs-sme.com\/ExchangePost\/wp-content\/uploads\/sites\/3\/2018\/08\/MILITARY-STAR-Card-Angled-1-e1534964716290.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/publicaffairs-sme.com\/ExchangePost\/wp-content\/uploads\/sites\/3\/2018\/08\/MILITARY-STAR-Card-Angled-1-e1534964716290.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/publicaffairs-sme.com\/ExchangePost\/wp-content\/uploads\/sites\/3\/2018\/08\/MILITARY-STAR-Card-Angled-1-e1534964716290.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/publicaffairs-sme.com\/ExchangePost\/wp-content\/uploads\/sites\/3\/2018\/08\/MILITARY-STAR-Card-Angled-1-e1534964716290.jpg?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":10184,"url":"https:\/\/publicaffairs-sme.com\/ExchangePost\/2024\/03\/13\/military-shoppers-earn-39-million-in-military-star-rewards-in-2023\/","url_meta":{"origin":11245,"position":2},"title":"Military Shoppers Earn $39 Million in MILITARY STAR Rewards in 2023","author":"Marisa Conner","date":"March 13, 2024","format":false,"excerpt":"DALLAS \u2013 Shopping the Army & Air Force Exchange Service is rewarding\u2014especially for MILITARY STAR\u00ae cardmembers, who earned $39 million through the card\u2019s rewards program in 2023. The card\u2019s rewards program allows shoppers to earn unlimited 2% rewards on purchases everywhere the card is accepted, including all military exchanges and\u2026","rel":"","context":"In &quot;ECP&quot;","block_context":{"text":"ECP","link":"https:\/\/publicaffairs-sme.com\/ExchangePost\/category\/directorates\/ecp\/"},"img":{"alt_text":"Military Shoppers Earn $39 Million in MILITARY STAR Rewards in 2023","src":"https:\/\/i0.wp.com\/publicaffairs-sme.com\/ExchangePost\/wp-content\/uploads\/sites\/3\/2024\/03\/MilStar-Service-Member-e1710346977810.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/publicaffairs-sme.com\/ExchangePost\/wp-content\/uploads\/sites\/3\/2024\/03\/MilStar-Service-Member-e1710346977810.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/publicaffairs-sme.com\/ExchangePost\/wp-content\/uploads\/sites\/3\/2024\/03\/MilStar-Service-Member-e1710346977810.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/publicaffairs-sme.com\/ExchangePost\/wp-content\/uploads\/sites\/3\/2024\/03\/MilStar-Service-Member-e1710346977810.jpg?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":12308,"url":"https:\/\/publicaffairs-sme.com\/ExchangePost\/2026\/04\/01\/military-star-card-delivers-483-million-in-value-for-cardmembers-in-2025\/","url_meta":{"origin":11245,"position":3},"title":"MILITARY STAR Card Delivers $483 Million in Value for Cardmembers in 2025","author":"Zach Wright","date":"April 1, 2026","format":false,"excerpt":"DALLAS \u2013 For the military community, using a MILITARY STAR\u00ae card pays off. The card delivered $483 million in value in 2025, highlighting its significance as a Quality-of-Life force multiplier for service members, Veterans and military families. \u201cThe MILITARY STAR card provides the military community a financial tool designed around\u2026","rel":"","context":"In &quot;ECP&quot;","block_context":{"text":"ECP","link":"https:\/\/publicaffairs-sme.com\/ExchangePost\/category\/directorates\/ecp\/"},"img":{"alt_text":"Using a MILITARY STAR\u00ae card pays off: In 2025, the card delivered $483 million in value for cardmembers. From a low APR rate and no late fees to rewards, the card\u2019s benefits are built around the heroes who serve.","src":"https:\/\/i0.wp.com\/publicaffairs-sme.com\/ExchangePost\/wp-content\/uploads\/sites\/3\/2026\/04\/54398835624_56705e0af7_c.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/publicaffairs-sme.com\/ExchangePost\/wp-content\/uploads\/sites\/3\/2026\/04\/54398835624_56705e0af7_c.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/publicaffairs-sme.com\/ExchangePost\/wp-content\/uploads\/sites\/3\/2026\/04\/54398835624_56705e0af7_c.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/publicaffairs-sme.com\/ExchangePost\/wp-content\/uploads\/sites\/3\/2026\/04\/54398835624_56705e0af7_c.jpg?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":11681,"url":"https:\/\/publicaffairs-sme.com\/ExchangePost\/2025\/09\/30\/military-star-card-offers-industry-low-apr-to-military-shoppers\/","url_meta":{"origin":11245,"position":4},"title":"MILITARY STAR\u00ae Card Offers Industry-Low APR to Military Shoppers","author":"Travis Day","date":"September 30, 2025","format":false,"excerpt":"DALLAS \u2013 The MILITARY STAR\u00ae card offers the lowest APR among all unsecured retail cards at 14.24%, according to an annual study by Bankrate. The APR\u2014nearly half of the industry average of 30.14%\u2014is available to all cardmembers, regardless of credit score. 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From May 18 through 31, shoppers will receive the extra savings on first-day\u2026","rel":"","context":"In &quot;Press Releases&quot;","block_context":{"text":"Press Releases","link":"https:\/\/publicaffairs-sme.com\/ExchangePost\/category\/categories\/press_releases\/"},"img":{"alt_text":"From May 18-31, Service Members Can Save 15 Percent with a New MILITARY STAR Account","src":"https:\/\/i0.wp.com\/publicaffairs-sme.com\/ExchangePost\/wp-content\/uploads\/sites\/3\/2018\/05\/MILITARY-STAR-First-Day-Discount-May-2018-1-e1526407165655.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/publicaffairs-sme.com\/ExchangePost\/wp-content\/uploads\/sites\/3\/2018\/05\/MILITARY-STAR-First-Day-Discount-May-2018-1-e1526407165655.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/publicaffairs-sme.com\/ExchangePost\/wp-content\/uploads\/sites\/3\/2018\/05\/MILITARY-STAR-First-Day-Discount-May-2018-1-e1526407165655.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]}],"jetpack_shortlink":"https:\/\/wp.me\/p9Q7PG-2Vn","_links":{"self":[{"href":"https:\/\/publicaffairs-sme.com\/ExchangePost\/wp-json\/wp\/v2\/posts\/11245","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/publicaffairs-sme.com\/ExchangePost\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/publicaffairs-sme.com\/ExchangePost\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/publicaffairs-sme.com\/ExchangePost\/wp-json\/wp\/v2\/users\/34"}],"replies":[{"embeddable":true,"href":"https:\/\/publicaffairs-sme.com\/ExchangePost\/wp-json\/wp\/v2\/comments?post=11245"}],"version-history":[{"count":8,"href":"https:\/\/publicaffairs-sme.com\/ExchangePost\/wp-json\/wp\/v2\/posts\/11245\/revisions"}],"predecessor-version":[{"id":11776,"href":"https:\/\/publicaffairs-sme.com\/ExchangePost\/wp-json\/wp\/v2\/posts\/11245\/revisions\/11776"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/publicaffairs-sme.com\/ExchangePost\/wp-json\/wp\/v2\/media\/11285"}],"wp:attachment":[{"href":"https:\/\/publicaffairs-sme.com\/ExchangePost\/wp-json\/wp\/v2\/media?parent=11245"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/publicaffairs-sme.com\/ExchangePost\/wp-json\/wp\/v2\/categories?post=11245"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/publicaffairs-sme.com\/ExchangePost\/wp-json\/wp\/v2\/tags?post=11245"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}