You served. Know your benefits.

Assembled 2026-09-08 from official pages where marked verified (Michigan Veterans Affairs Agency, Michigan Treasury, NPS, Exchange, Apple, AT&T, Verizon, T-Mobile, Nike) and from general knowledge where marked unverified — confirm those on the merchant's or agency's page. Tailored by the status, VA rating and state you select.

Credit card programs

• MILITARY STAR card (Exchange) 2% + 5¢/gal + 10% food
  2% rewards on every purchase, 5 cents off per gallon at Exchange gas stations every day, 10% off at Exchange restaurants, no annual fee, and a $1,000 interest-free Military Clothing Plan. Open to military personnel and families, DoD civilians, Purple Heart recipients, disabled veterans, and veterans with an honorable or general discharge.
  How: Apply at myecp.com. Veterans with a service-connected disability can shop the Exchange in person with a Veteran Health ID Card (VHIC); all honorably discharged veterans can shop online.
  Source: 1
• Navy Federal Credit Union cards membership unverified
  Veterans, retirees, active duty, Guard/Reserve, DoD civilians and family members can join. Cards have no foreign transaction fees and no annual fee (Flagship $49); cashRewards earns 1.75%-2%.
  How: Join at navyfederal.org with your DD-214 or VA documentation.
  Cards: navy-federal-cashrewards · navy-federal-more-rewards · navy-federal-flagship-rewards
  Source: 1
• USAA cards membership unverified
  Honorably discharged veterans, active duty, Guard/Reserve, and their spouses and children are eligible. The Cashback Rewards Plus Amex earns 5% on gas and military-base purchases (first $3,000/yr).
  How: Join at usaa.com.
  Cards: usaa-cashback-rewards-plus-amex · usaa-preferred-cash-rewards · usaa-rewards-visa
  Source: 1
• PenFed cards open to all unverified
  PenFed is open to anyone, but military members and veterans get 'Honors Advantage': Power Cash Rewards rises from 1.5% to 2%, Pathfinder waives its $95 fee and earns 4x travel instead of 3x.
  How: Join at penfed.org; Honors Advantage is granted for military service or a PenFed checking account.
  Cards: penfed-platinum-rewards · penfed-power-cash-rewards · penfed-pathfinder-rewards
  Source: 1

Store & service discounts that stack with card rewards

These come off the price before the card earns, so the best card for the category still applies on top. The Use page shows them when you look up a matching merchant.

• Apple
  Veterans and Military Purchase Program: 10% off for current and veteran members of the US military, National Guard and Reserve, plus immediate family in the same household. Only through the special storefront (not in Apple Stores or the regular online store); Apple Card Monthly Installments not available on this offer.
  How: Verify with ID.me at apple.com/us/shop/goto/eppstore/veteransandmilitary.
  Card tip: Pay with your best electronics/online card — the 10% comes off first.
  Source: 1
• Home Depot unverified
  10% off eligible purchases in store and online, capped at $400 in discounts per calendar year, for active duty, veterans, retirees, Guard/Reserve and spouses. Some brands excluded.
  How: Register at homedepot.com/militarydiscount (ID.me), then scan the Military ID in the app or show it at checkout.
  Card tip: Stacks with your best home-improvement card.
  Source: 1
• Lowe's unverified
  10% off eligible purchases every day for active duty, veterans, retirees, Guard/Reserve and spouses, through MyLowe's Rewards. Some exclusions (installation, appliances from certain brands, gift cards).
  How: Enroll once in MyLowe's Rewards and verify military status; the discount applies to your account online and in store.
  Card tip: Stacks with the Lowe's Advantage 5% or your best home-improvement card (the 5% card discount and the military discount don't combine on the same purchase — pick the higher one).
  Source: 1
• Nike
  10% off most items for active, reservist, veteran and retired US military and spouses/dependents of active personnel. Applies to the first $500 of a purchase; single-use codes expire in two weeks and can be re-issued weekly. Excludes Nike By You, gift cards, select SNKRS launches.
  How: Verify through SheerID on nike.com; in store, show a military ID (excludes Company Stores).
  Card tip: Use your best clothing/online card on top.
  Source: 1
• Verizon
  10% off standard mobile plans (Simplicity from about $27/line with Auto Pay and Switch & Save), Fios 300 Mbps from $26/mo, and 25% off select accessories online, for active duty, retirees, veterans, current or former Guard/Reserve and Gold Star families.
  How: Verify with ID.me on verizon.com/discounts/military.
  Card tip: Pay the bill with a card that earns on phone/internet (Autograph 3x, Cash+ 5% choice) or offers cell phone protection.
  Source: 1
• AT&T
  AT&T Appreciation Savings: 20% per line off Premium 2.0, 15% off Extra 2.0, 10% off Value 2.0 for military, veterans and their families; up to $420/yr more when adding AT&T Fiber. Proof of eligibility required; discounts start within three bills.
  How: att.com/offers/discount-program/military-discount
  Card tip: Pay with your phone/internet category card.
  Source: 1
• T-Mobile
  Experience Beyond / Experience More 'w/ Military Savings' and Essentials Military plans; T-Mobile says military and veteran families save $720/yr on 4 lines. Verify within 45 days or the discount ends.
  How: t-mobile.com/cell-phone-plans/military-discount-plans (ID verification at sign-up).
  Card tip: Pay with your phone/internet category card.
  Source: 1
• Costco unverified
  Costco periodically offers a Costco Shop Card (recently $30-$40) to military members and veterans who join through its military offer page. No ongoing discount.
  How: costco.com/military-membership-offer.html
  Card tip: Costco Anywhere Visa earns 2% at Costco either way.
  Source: 1
• Sam's Club unverified
  Sam's Club's military offer gives new military and veteran members a statement credit or gift card (amount varies, often $10-$20). No ongoing discount.
  How: samsclub.com/content/military
  Card tip: Sam's Club Mastercard earns 1% (5% for Plus) either way.
  Source: 1
• Target unverified
  Target Circle military discount: 10% off up to two purchases during the Veterans Day window each year, for military, veterans and families.
  How: Verify in the Target app (Target Circle) each year.
  Card tip: Target Circle Card's 5% applies on top.
  Source: 1
• Meijer unverified
  Meijer typically runs a 15% military/veteran discount on Veterans Day (excludes some categories). No everyday discount.
  How: Show a military ID or Michigan driver's license with the Veteran designation at the register.
  Card tip: Use your best grocery card.
  Source: 1
• Hotels — government/military rates unverified
  Marriott, Hilton, IHG, Hyatt, Wyndham and Choice all publish military/veteran rates (often 10-15% off) on their sites; Wyndham and Choice explicitly include veterans. Check the rate's eligibility text — some are active-duty only.
  How: Choose the 'Military/Veteran' rate when booking direct and bring ID.
  Card tip: Book direct with the hotel's co-brand card or your best hotel card.
  Source: 1, 2, 3
• Armed Forces Vacation Club / Space-A unverified
  AFVC condo weeks for eligible members. Veterans with a 100% permanent-and-total disability rating can fly Space-Available on military aircraft (Category VI) since the FY2019 NDAA.
  How: afvclub.com; Space-A via AMC passenger terminals with your VHIC.
  Source: 1, 2