MILITARY STAR Card — Exchange Credit Program is a personal credit card from Exchange Credit Program. The annual fee is No late, annual or over-limit fees. The ongoing APR is As of September 17, 2026, a variable 13.99% APR applies to retail plan purchases. Signup bonus: Apply today and save 10% on all your first day's purchases. Rewards: you will earn 2% in rewards on every purchase except the Military Clothing Line of Credit.