We're grateful for your U.S. military service or the service of a loved one, and want to help you take full advantage of your benefits. Servicemembers and their spouses/domestic partners have earned the following Servicemembers Civil Relief Act (SCRA) benefits for the period of active duty service:
- 6% or less annual percentage rate (APR) on Discover card purchases and cash advances
- No late fees
This coverage lasts as long as the servicemember is on active duty—and is even applied retroactively to the active duty start date. Once activated, your SCRA benefits may automatically extend to other Discover products, such as personal loans, home equity, home loans and student loans.
You can apply for retroactive SCRA coverage for up to 180 days after the end of active duty.
Who is Eligible for SCRA Benefits?
Active duty servicemembers and their spouses/domestic partners are eligible for SCRA benefits on joint accounts. Discover extends this benefit to separate accounts on which the servicemember is not obligated.
To qualify, the servicemember must have been or currently be on active duty in one of these U.S. military branches:
- Air Force
- Marine Corps
- Coast Guard
- Reservists and members of the National Guard
- Commissioned Officer of the Public Health Service or the National Oceanic
and Atmosphere Foundation
Some states also extend benefits to a larger group of servicemembers. To learn more about who qualifies for SCRA, contact your local Armed Forces Legal Assistance Program Office.