Claim up to $280,000 in Underutilized Military Benefits

The short answer is: no, this program will actually help your credit score overall.

The long answer is: The main factors that affect your credit score are:
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1) Payment History (35%): Your track record of paying bills on time is the most crucial factor. Late payments, collections, and bankruptcies can significantly damage your score. Our strategy is to use the benefits of premium credit cards without actually incurring any debt on those cards. Any purchases you make with your cards should be paid IN FULL using autopay every month. So if you follow our strategy, you will help this aspect of your credit score.
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2) Amounts Owed (30%): This refers to your credit utilization ratio, which is the amount of credit you use compared to your total available credit. Once again, our strategy is to use the benefits of premium credit cards without actually incurring any debt on those cards. So if you follow our strategy, you will help this aspect of your credit score.

3) Length of Credit History (15%): A longer credit history generally translates to a better score. It demonstrates responsible credit management over time. So starting our program sooner rather than later will actually help this aspect of your credit score.

4) Credit Mix (10%): Having a diverse mix of credit (e.g., credit cards, loans, mortgages) can positively impact your score, as it shows you can manage different types of credit responsibly. This program only covers credit cards at the moment, but we hope to cover other military benefits in the future, such as the VA loan. In the meantime, we can refer you to other companies that we trust if you are interested in those benefits as well.

5) New Credit (10%): Opening several new credit accounts in a short period can lower your score. Applying for new credit cards can temporarily lower your score due to the inquiries. However, in our experience these effects are so small they are negligeable and quickly disappear the following month or so. The Military Card Coach has maintained a credit score over 750 throughout his 8 years with 20+ open credit card accounts.

Of course! The app is designed to work wherever you have internet access. This makes it a valuable tool for military members stationed anywhere in the world.

No, this app is an independent tool designed to assist military members. It is not affiliated with the Department of Defense, any branch of the military, or any specific credit card issuer.

Reach out directly any time to [email protected].
We also offer one on one coaching directly with the Military Card Coach, with a free trial period!

The app focuses on premium Chase and American Express cards that offer significant benefits and waive annual fees for military personnel. Some examples include the Chase Sapphire Reserve®, The Platinum Card® from American Express, and various co-branded airline and hotel cards.

This app is safe by design. We don't even use your full credit card information. We only need the last few digits of your credit card number in order to help you organize your benefits. Furthermore, this app uses industry-standard encryption and security measures to protect your information anyway. We do not sell or share your data with third parties for marketing purposes.

No problem! The app will automatically tailor the plan to whatever cards are in your possession already.