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The Military STAR Rewards Master Card is relatively easy to find information on because it’s backed by a large bank that discloses terms and conditions before you apply.The Rewards version offers a variable APR of 11.49% and says right in the fine print that you can avoid paying interest by paying off your balance in full each month.These products should be simple, transparent and offer excellent customer service and an understanding about the difficulties that ensue during deployment.

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Shen Lu is a personal finance reporter at Magnify Money.

Her work examines the intersection of politics and consumer finance.

But then there is a confusing catch:“Your Rewards credit card has a dual function that allows you to access two credit card accounts with separate lines of credit – a Master Card® account issued by Chase Bank USA, N. and a MILITARY STAR® Private Label Account issued by the Exchange Credit Program.”So you have to have two credit cards in order to get the rewards perks off one?

You can’t simply open the rewards card offering through Chase, but must also have a Military STAR card through Exchange Credit Program (ECP).

The military can also garnish wages to make payments on the STAR card.

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