Military Shoppers Can Get Holiday Budget Help with MILITARY STAR Pay Your Way Plans


DALLAS – MILITARY STAR® offers more flexibility for holiday budgets with Pay Your Way plans, allowing military shoppers to buy now and pay later on a schedule that works for them.

The Pay Your Way plans have fixed monthly payments at a reduced APR of 9.99% and are available at three price tiers:

  • 36 months for purchases from $300 to $499.99.
  • 36 months or 48 months for purchases from $500-$999.99.
  • 36 months, 48 months, or 60 months for purchases over $1,000.

Pricing minimums apply to the order total.

“This time of the year often brings added expenditures,” said Air Force Chief Master Sgt. Kevin Osby, the Army & Air Force Exchange Service’s senior enlisted advisor. “MILITARY STAR’s Pay Your Way plans are a budgeting tool that gives shoppers the option of buying now and spreading the payments out over a set timeframe.”

Pay Your Way plans are available at military exchange stores and at To estimate the monthly payment on qualifying purchases, shoppers can visit to use the payment estimator. Cardholders may use multiple Pay Your Way plans based on their available credit. Express and fuel locations are excluded.

Other benefits of the MILITARY STAR card include:

  • 10% on all first-day purchases for new cardholders.
  • 5 cents off every gallon of gas at Exchange fuel locations, as well as select Navy Exchange and Marine Corps Exchange locations.
  • 10% off at all participating Exchange restaurants.
  • Free shipping on and
  • Unlimited 2% rewards earned on purchases.
  • Exclusive cardholder savings throughout the year.

The MILITARY STAR card is administered by the Army & Air Force Exchange Service and is accepted at all exchanges and online at Department of Defense civilians and retirees are eligible to apply for a card, as are all honorably discharged Veterans who have confirmed their eligibility to shop at For more information on Pay Your Way plans or to apply for a card, shoppers can visit their local Exchange or

Since 1895, the Army & Air Force Exchange Service (Exchange) has gone where Soldiers, Airmen, Guardians, and their families go to improve the quality of their lives by providing valued goods and services at exclusive military pricing. The Exchange is the 54th-largest retailer in the United States. 100% of Exchange earnings support military communities. In the last 10 years, your Exchange benefit has provided $3.5 billion in earnings for critical military Quality-of-Life programs.

The Exchange is a non-appropriated fund entity of the Department of Defense and is directed by a Board of Directors. The Exchange is a 50th Anniversary Vietnam War Commemorative Partner, planning and conducting events and activities that recognize the service, valor and sacrifice of Vietnam Veterans and their families in conjunction with the United States of America Vietnam War Commemoration. To find out more about the Exchange’s history and mission or to view recent press releases please visit our website at or follow us on Twitter at

Media Notes:

For more information or to schedule an interview with an Exchange representative please contact Marisa Conner at 214-312-5111 or [email protected].

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