• Home
  • Best Bases
  • Recipes
  • Inspirations
  • Savings
    • Printable Coupons
    • Commissary Rewards Card
  • Facebook
  • Twitter
  • Instagram

Military Life News

Military Life News, Commissary Rewards and Military Discounts

  • At The Commissary
  • Military Discounts
  • Money & Career
  • Education
  • Family
  • Travel
  • Recipes
  • Hot Topics
  • Combined Federal Campaign

Should Shoppers Use Their Military Star Card at the Commissary?

07/05/2017 By Veronica Jorden

As part of the Defense Commissary Agency‘s continuing efforts to increase value and convenience at military commissaries across the world, military shoppers at more than 200 commissaries  will have the option to use their Military Star card to pay for groceries starting in October. The additional credit card payment method is being incorporated into the point-of-sale payment overhaul already scheduled for the fall.

There are many reasons to be excited about this new option and a few concerns you may want to consider before using your Military Star card at the commissary.

The Benefits of Using Your Military Star Card at the Commissary

Many shoppers are already using credit cards to pay for groceries. Using the Military Star card has some distinct advantages:

Low Interest Rate

In addition to the low interest rate and fair credit lines offered even to those with little or bad credit , the Star card offers no late or over limit fees and the interest rate is reduced and payments waived during deployments. For junior service members and their spouses, the Military Star card can be a great way to build good credit.

Reap the Rewards

In addition to the Commissary Rewards program, shoppers using their Star card can earn extra rewards. Just like many other retail rewards cards, Military Star card users earn 10% back on all of their purchases. These rewards come in the form of a certificate or payment cards that are eligible for redemption at exchanges, shoppettes and on-post food vendors.

Our fingers are crossed that the rewards will also be eligible for use at the commissary. Every reward earned offers shoppers the potential to save some of their hard-earned cash.

Using the Star Card Supports MWR Programs

A considerable amount of the monies earned through interest on Military Star cards is used to fund MWR events and programs. Using your Star card helps keep our military dollars within our community.

Provides Options to Military Families

In her article, Star Card At The Commissary: Good or Bad? , Kate Horrell mentions one important benefit of this payment option:

“Service members who have run out of money will be able to purchase affordable, real food on credit instead of buying expensive junk food at the exchanges or minimarts/shoppettes.”

We know an unhealthy diet is usually a cheap diet, so having the Star card as an option for those months where a paycheck runs a little thin could be a value for some military families.

DeCA Gets to Save

Adding the Military Star card to the list of credit cards currently accepted at commissaries offers a direct benefit to DeCA. For every credit card purchase processed, DeCA must pay a small transaction fee to the credit card processor. Military Star card transactions, in comparison, cost less than say the fees paid to Visa or Mastercard.

The Concerns Associated with Using Your Military Star Card at the Commissary

So we’ve covered the benefits, but what should service members and their families think about before swiping their Star card?  Two words – debt management.

Using the card to earn rewards can be a great way to stretch your budget, but that only works to your advantage if you pay off your credit card balance each month.

Credit for Consumables

Many financial advisors warn against using credit to purchase consumable goods. While it is easy and convenient to charge that $200 grocery bill to a credit card, if you only pay the minimum payment, by the time you pay off the balance, you’ll have paid an additional $15 or more in interest. And if you make a habit of it for every weekly grocery run, your annual grocery shopping bill could be more than $700 over what it would have been if you’d just paid cash.

Option for Garnishment

Plus, if you use your Star Card and don’t make a payment, you may soon find your military wages garnished to pay the bill. Regular credit cards don’t have that option.

If you are going to use your Military Star card at the commissary, reap the benefits, but take care to treat it just like any other credit card purchase and shop responsibly.

Do you have a Military Star card? Will you use it at the commissary this fall?

Home-Buying Tips and Tools for Military Families

03/10/2017 By Veronica Jorden

As a military family, the decision to buy a home is both exciting and wrought with uncertainty. It means putting down semi-permanent roots and committing to a home for longer than 1 to 2 years.

And the home-buying process can be more than a little overwhelming.

Don’t worry. Breath. You’ve already done the hardest part in committing to the goal of purchasing a new home. Now you just need to get smart about the process. You’ll be unpacking boxes and putting your feet up in your new home before you know it.

Home-Buying Tips and Tools for Military Families

A VA-backed loan is often the go-to for service members and retirees looking to buy a house.

Your Home-Buying Checklist: Get Up-Close and Personal with Your Finances

Most of us have a good idea of how much we have in savings and how much our bills are each month, but preparing to buy a house goes much deeper than that.

Get Your Credit Score

  • Order your credit report directly from all 3 credit bureaus (Equifax, Experian and TransUnion) or try a site like annualcreditreport.com.
  • Dispute any discrepancies and be prepared to show problems have been resolved or were the result of mitigating circumstances.

Pay Down Debt

  • Improve your credit score and show lenders you are credit worthy by paying down your debt.
  • Make an appointment with a financial planner. Most military installations offer this service through on-post family support agencies like Fleet and Family Support Centers or Army Community Services.
  • Calculate your debt-to-income ratio and estimate how much you can afford to spend on your new home.

Save for Your Home’s Down Payment

While it is possible to purchase a home without a down payment, some of the most competitive loan programs require a 10 to 20% down payment. Start saving as soon as you decide you want to buy a home.

Your Home-Buying Checklist: Mortgage Research Is a Must

There is no shortage of mortgage options, but do your due diligence before signing anything. If it sounds too good to be true, it probably is.

Ask Friends and Family Members for Referrals

Ask friends and family members about lending institutions or programs they have used. Learn from their mistakes and successes. If you get a recommendation, take a few minutes to do additional research or call the lending institution and ask for more information.

Get Smart About Terminology

While most loans are fairly standard in their fees and process, there are still plenty of non-traditional options out there. Understanding the difference between a 30-year vs a 15-year mortgage and the pros and cons of an ARM loan is important.

Consider working with a mortgage counselor. They can help you understand the entire mortgage process and often are available for free.

Shop Around for the Best Rates

Don’t just shop one type of loan. A VA-backed loan is often the go-to for service members and retirees, but it is not the only option.

Depending on where you are buying, the amount of your loan, and the type of property, local or regional lending institutions may have programs that offer you a better interest rate. Tools like LendingTree can help do some of the legwork.

Your Home-Buying Checklist: Location, Location, Location

You’ve got your finances in order and have a down payment in the works, now it’s time to start scoping out a location.

As you begin to narrow down where you want to live, ask yourself:

  • What is a reasonable commute time?
  • Is being close to shopping a necessity?
  • Is the size of the neighborhood or its amenities important to me?
  • Do I want to buy a newly-constructed home or something in a more established neighborhood?

Then do research on these topics:

  • Area schools
  • Water, sewer, waste and power/gas rates
  • Local tax rates, emergency service costs, and any front or homeowners association fees
  • Local crime rates  and the sex offenders’ registry statistics
  • Traffic and public transportation options

Your Home-Buying Checklist: Wants and Needs

Now the fun part — figuring out what you want in your new home. It’s totally OK to dream, but make sure you prioritize your requirements. Start by identifying those things you absolutely must have in order for your new home to be functional. Start by making a list:

  • How many bedrooms do you need?
  • How many bathrooms?
  • Are there any other special requirements, like single-story or two-car garage?
  • What about an open floor plan or home office space?

Now review the list of things you wish you could have and prioritize.

Your Home-Buying Checklist: Hire a Professional Realtor

Ask for recommendations or search local BBB reviews for a licensed Realtor. Look for agents with experience working with military families, like Millie. The information a real estate agent can provide about homes coming onto the market, neighborhoods and the home-buying process is priceless.

What tips would you add to this home-buying checklist? Share them in the comments section.

  • OIOpublisher.com

Featured This Week

SIGN UP FOR MILITARY COUPONS & SAVINGS!

Search the site:

Get Social With Us!

FAQ’s

  • Privacy Policy
  • Contest Rules
  • Terms of Use

Community

  • Base Reviews
  • Inspirations

About Military Life News

  • Contact Headquarters
  • Advertising

Copyright © 2025 · Magazine Pro Theme on Genesis Framework · WordPress · Log in