Active duty military members, retirees, National Guard and Reserve members, military family members, and certain Department of Defense civilians are eligible. Eligibility aligns with military exchange shopping privileges.

It can be used at military exchanges (Army & Air Force Exchange, Navy Exchange, Marine Corps Exchange, and Coast Guard Exchange), ShopMyExchange.com, MyNavyExchange.com, ShopCGX.com, exchange gas stations, and some commissary locations (for fuel and qualifying purchases).

Benefits include no annual fee, low interest rates, discounts at exchange gas stations, 10% off first day purchases, and special promotional offers. Free standard shipping on shopmyexchange.com, myNavyExchange.com and ShopCGX.com It also helps support morale, welfare, and recreation (MWR) programs.

Yes. Cardholders earn 2 points for every $1 spent with the card. Every 2,000 points = $20 exchange rewards card.

No. The card is only valid at military exchanges and affiliated websites. It cannot be used at non-military retailers or for general online shopping.

Yes. Eligible uniform purchases at participating exchanges and online (e.g., ShopCGX.com) can be charged to the card.

Interest is charged on unpaid balances, but rates are typically lower than most commercial credit cards. Delinquency may affect future use and credit history.

Yes, as long as they have exchange privileges. Approval is subject to credit evaluation.

You can apply online at MyECP.com or in person at any participating military exchange customer service desk.

The card is administered by the Army and Air Force Exchange Service (AAFES) on behalf of all participating military exchanges.