MILITARY STAR Card Helps Okinawa Exchange’s Reduce Costly Fees, Increase Contribution to Military Quality-of-Life Programs

by Kaura Peres
Stripes Guam

Kadena AB – Military personnel and their families who reach for their MILITARY STAR cards at Army & Air Force Exchange Service facilities are helping reduce credit-card processing expenses and ultimately improving their military communities.


During fiscal 2015, bank-issued credit card processing expenses at Okinawa Exchange facilities cost the military community more than $3.7 million. When shoppers use their MILITARY STAR cards, however, the Exchange avoids these costly fees.


“A significant portion of earnings generated from the MILITARY STAR card is returned to military communities to fund quality-of-life programs,” said Kadena AB Exchange Store Manager, Ann Yi. “Avoiding costly merchant and bank fees allows us to return an even greater amount to the military community.”


Over the last 10 years, the Exchange Credit Program has returned $639 million to quality-of-life programs worldwide.


“Paying with a MILITARY STAR card is a simple way for Exchange shoppers to support their military community directly,” Ms. Yi said. “Using the card not only benefits the cardholder, but every member of the military family.”


The MILITARY STAR card is accepted at Army, Air Force, Marine Corps, Navy and Coast Guard exchange facilities and online at Cardholders receive benefits including:


  • Competitive 10.49 percent interest rate – one of the best retail rates.
  • No annual, late or over-limit fees.
  • 10 percent off first-day purchases.
  • 10 percent off Exchange food court purchases.
  • 5-cents-per-gallon savings at Exchange gas stations.
  • Free standard shipping at


With every purchase, MILITARY STAR cardholders earn points as part of a rewards program, which launched late last year. Cardholders earn 2 points for every $1 spent wherever the MILITARY STAR card is accepted. For every 2,000 points earned, shoppers will automatically receive a $20 rewards card.


For more information, shoppers can visit

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