Military Star Card


About the Exchange Credit Program

The Exchange Credit Program (ECP) was established by Congress in 1979 to protect service members from predatory lending, and offering responsible credit solutions to customers continues to be a core mission for the program today.

ECP operates the MILITARY STAR program on behalf of the Army, Air Force, Navy, Marines Corps and Coast Guard. There are approximately 2 million cardholders from all branches of service.

Current Promotions

Click here to view our current promotions.

Apply Online

To apply for a card online, click here.



New account discount – 10% discount for all purchases the first day

  • Customers receive the discount on ALL their first day’s purchase
  • This includes all purchases in store

Promotional 0% interest offers – Seasonal zero interest promotions all year long

  • Includes special promotions for large ticket items (like furniture and appliances)

Exclusive savings


  • No annual, late or over-limit fees – This is #1 benefit that appeals to our customers
  • No back-interest when 0% promotions expire – Customers are not charged any back interest when their promotion is over, even if they still have a balance
  • Competitive low APR no matter your credit score – MILITARY STAR provides the same benefits for customers with no credit, little credit or damaged credit
  • Military clothing plan – Interest-free dedicated line of credit for qualifying military clothing purchases
  • Deployment policy – Reduced interest for customers who deploy to qualifying contingency locations


Rewards Program

The MILITARY STAR  Rewards Program is our way of thanking the military community for shopping at exchange locations and all MILITARY STAR cardholders are automatically enrolled

Customers earn 2 points for every dollar they spend at:

  • All military exchanges
    • Army, Air Force, Navy, Marine Corps and Coast Guard
  • Online at and
  • Armed Forces Recreation Center resort hotels

For every 2,000 points, customers will automatically earn a $20 rewards card which can be redeemed for merchandise or services anywhere an exchange gift card is accepted.


Rewards Program FAQ

What is the MILITARY STAR Rewards Program?
The MILITARY STAR Rewards Program is our way of thanking the military community for shopping at the Exchanges. Customers earn 2 points for every dollar they spend on their MILITARY STAR card and automatically receive a $20 rewards card after 2,000 points.

How do I enroll in this program?
All MILITARY STAR cardholders are automatically enrolled in to the MILITARY STAR rewards program and will start earning points October 1st. There are no additional requirements to earn rewards.

How do I earn rewards?
You earn rewards every time you use your MILITAR STAR card at participating facilities.

How are my rewards calculated?
You will earn (2) points for every ($1) spent on your MILITARY STAR card purchases, excluding any returns, at participating facilities. Rewards do not apply to purchases on the military clothing line of credit.

What is a participating facility?
Participating facilities include anywhere the MILITARY STAR card is accepted. This includes exchange online stores, concessions, fuel, etc.

What happens to my rewards if I return an item?
The rewards you earned for that purchase will be deducted from your account. If you have already received your rewards card, your rewards balance may become negative. As you continue to make additional purchases, your rewards balance will increase until you earn another rewards card.

How can I see how many points I have?
You can view your rewards balance on or your monthly MILITARY STAR statement.

I Made a purchase last week. Where are my points?
You can see your available rewards balance after your statement closes each month.

When will I receive my MILITARY STAR rewards card?
Your MILITARY STAR rewards card will be AUTOMATICALLY mailed to you once you have earned 2,000 points. You can expect to receive your rewards card in 4-6 weeks.

Where can I use my MILITARY STAR rewards card and what can I buy?
Your MILITARY STAR rewards card is similar to a gift card and can be used anywhere exchange gift card is accepted. The rewards card can be used to uprchase any items that a normal gift card can be used for today. Some exclusions include: MILITARY STAR payments, POSA cards and money orders.

What happens if I don't want you to automatically send me rewards card?
We found in our research many customers preferred to have their rewards automatically sent to them. At this time, the program is set up to auto issue the card but we hope to expand in the future as we add additional program benefits.

Can I redeem for cash back?
No, at this time, the program is set up to issue a rewards card. We hope to add additional features and program benefits in the future.





USA: 1-877-891-7827 (STAR)

Belgium: 0800-1-6374
Crete: 00-800-18092003452
Germany: 0800-812-4690
Guam: 1-800-546-7195
Italy: 8008-72683
Japan: 00531-11-4239
Korea: 00308-130663
Netherlands: 0800-022-9614
Norway: 800-14-110
Spain: 900-971-394
United Kingdom: 0800-96-1843

Turkey, Saudi Arabia & Iceland: 214-312-6030



Exchange Credit Program
PO Box 650410
Dallas, TX 75265-0410

Mail Payment
The Exchange
PO Box 740890
Cincinnati, OH 45274-0890