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How I USE it

There are four credit card companies that waive annual fees as part of the MLA or SCLA. The four companies are American Express, Chase, Citi Bank and U.S. Bank. Not every card offered by these companies is included, so be sure to check out which cards qualify.

Each company has their own Military policy. You can also verify that you are eligible through the MLA database.  This is where the bank verifies that you are on Active Duty or are an AD spouse. If you are guard or reserve, you need to be on 30+ day active-duty orders.