The following is a standardized reference for users of:
- Over 600+ articles on Military “churning”
- Daily discussion and guests posts
- Simplified churning guide for newbies
BLUF: Chase, Us Bank, Citibank, and American Express have been confirmed (via user data points) to waive annual fees for service members and certain dependants. This only applies for accounts opened after 01 October 2017. It is optimal to acquire the following cards, in this order, to maximize travel benefits. Unlike “churning” you will benefit to KEEP OPEN the following cards during active duty, and downgrade them after you leave the service or are no longer covered under the MLA.
The articles will be in the format of instructions from the Cards for Personnel Manual CARDPERSMAN which does not exist. This site has no affiliation with the Department of Defense or any of the service branches. There is no implication of any official instructions.
Overview, preparation, instructions for use
|0000.0||Referral and Application Links|
|0000.1||Determining MLA eligibility, Credit score and 5/24 status|
|0000.2||Terms used in articles|
|0000.3||Organization of cards|
|0000.4||Meeting minimum spends and Manufacture Spend (MS)|
|0000.5||Card use for specific categories|
CARDPERSMAN (JPMCB) 01000:
JP Morgan Chase Bank (JPMCB). Restricted to 5/24 rule, two applications every 30 days or else you’ll automatically be rejected. The Chase reconsideration phone number line for Personal cards is 1-888-270-2127.
|1000.1||Chase Sapphire Reserve||All Travel||$300|
|1000.2||Chase Freedom||Change to CSR||$300|
|1000.3||Chase Freedom Unlimited||Change to CSR||$300|
|1000.4||Chase United Club Card||*A Lounge Access||$550|
|1000.5||Chase Bonvoy Boundless||Change to Ritz||$300, 1 Night|
CARDPERSMAN (USB) 02000:
U.S. Bank (USB) must have a previous relationship with the bank to have the U.S. Bank altitude. For application status call them on (800) 947-1444.
|2000.1||Altitude||All Digital Wallet||$325, In Flight WiFi|
|2000.2||Skypass Premier||Korean Airlines||$200, KA Lounge Passes|
CARDPERSMAN (AMEX1) 03000:
American Express (AmEx Credit Cards). Restricted to 5 CREDIT card max, only two new credit cards every 90 days. Check application status here.
|3000.1||Hilton Honors Aspire||All Hilton||$500, 1 night|
|3000.2||Hilton Honors Surpass||Upgrade to Aspire||$500, 1 night|
|3000.3||Hilton Honors||Upgrade to Aspire||$500, 1 night|
|3000.4||Marriott Bonvoy Brilliant||All Marriott||$300, 1 night|
|3000.5||Delta Reserve||All Delta||Comp Pass|
CARDPERSMAN (AMEX2) 03100:
American Express (AmEx Personal Charge). No max limit, although you can only get the bonus once every lifetime. No minimum time limit on applications of charge cards. Check application status here.
|3100.1||Platinum Charge||Direct Airline Booking||$500|
|3100.2||Gold Charge||Groceries, Upgrade to Pt||$500|
|3100.3||Green Charge||Upgrade to Pt||$500|
CARDPERSMAN (CITI) 04000:
Citibank (Citi). Must wait 8 days between applications and then not exceed 2 applications in 65 days.
|4000.1||Citi Prestige||All Dining||$250, 2x 4th night Free|
|4000.2||Citi Premier||PC to Prestige||$250, 2x 4th night Free|
|4000.3||AA Executive||OW Lounges||$650|
|4000.4||AA Platinum||PC to Prestige||$250, 2x 4th night Free|
CARDPERSMAN (AMEX LV2) 05000:
Advanced AmEx techniques for small business owners (and sole proprietors).
|5000.1||Business Platinum||$5,000+ Buys, 35% Refund||$400|
|5000.2||Business Gold||$5,000+ Buys, 35% Refund||$400|
|5000.3||Business Green||$5,000+ Buys, 35% Refund||$400|
CARDPERSMAN (AMEX LV3) 06000:
Advanced AmEx techniques involving holding certain investment banking accounts.
|6000.1||MS Platinum Charge||Direct Airline Booking||$500|
|6000.2||CS Platinum Charge||Direct Airline Booking||$500|
|6000.3||AP Platinum Charge||Direct Airline Booking||$500|