The Military Star Card is a private-label line of credit offered by the Exchange Credit Service and managed by The Army and Air Force Exchange Services. The ECP operates the program on behalf of the Army, Air Force, Navy, Marines Corps and the Coast Guard. Card benefits lower interest rates than average and 0% financing on some purchases. You won't be penalized if you have less-than-stellar credit. The drawback is that the card can only be used to shop online and brick-and-mortar military exchanges. The Exchange Credit Program uses a portion of the revenue from the Star Card program to fund Morale, Welfare and Recreation Programs for active-duty service members and their families.