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      PenFed Premium Travel Rewards American Express® Card  PenFed Platinum Rewards Visa® Signature Card  PenFed Promise Visa® Card 
      Learn More  Learn More  Learn More 
    Card Name PenFed Premium Travel Rewards
    American Express® Card
     
    PenFed Platinum Rewards Visa® Signature Card  PenFed Promise Visa® Card 
    Best For The adventurer in you The driver/shopper in you The saver in you
    Welcome Bonus Earn 20,000 bonus points after spending $2,500 in the first 3 months of opening the card N/A N/A
    Earn Points or Rewards 
    • 5 points on airfare purchases
    • 1 point on all other purchases
     
    • Earn 5 points on gas purchases at the pump*
    • Earn 3 points on supermarket Purchases *
    • Earn 1 point on All Other Purchases*
     
    N/A
    Reward Caps Unlimited Rewards Unlimited Rewards N/A
    Fees
    • No annual fee
    • No foreign transaction fee
     
    • No annual fee
    • No foreign transaction fee
     
    • No annual fee
    • No foreign transaction fee
    • No balance transfer fee
    • No cash advance fee
    • No late fee
    • No over credit limit fee
    • No penalty APR
     
    Travel Benefits 
    • Two complimentary Lounge Club visits at airports around the world after spending $15,000 on the Card in a calendar year.
    • Exceptional travel offers and discounts through the American Express Travel Privileges program
     
    • Travel and Emergency Assistance Service: Saves you time and effort by helping you coordinate medical, legal, and travel services while you're away from home. (The cost of any goods or services purchased is your responsibility.)
    • Roadside Dispatch: Brings you the peace of mind offered by a 24/7 on-demand referral dispatch network that provides emergency roadside assistance, towing, and locksmith services whenever you need them. Call 1-800-VISA-TOW for further details.
    • Travel Accident Insurance: Offers you and your eligible family members automatic common carrier Accidental Death & Dismemberment coverage when you use your Visa Signature® card to purchase your travel tickets.
     
     
    N/A
    Redemption Options Ability to redeem points for a range of rich rewards, including travel like air, hotel, car rental, brand-named merchandise, and gift cards. Ability to redeem points for a range of rich rewards, including merchandise, travel, gift cards or even Visa prepaid cards. N/A
    APR on Purchases and Cash Advance 
     
    9.99% to 17.99% APR when you open your account, based on your creditworthiness.* Your APR will vary with the market based on the Prime Rate. 9.99% to 17.99% APR when you open your account, based on your creditworthiness.* Your APR will vary with the market based on the Prime Rate 7.99% to 16.99% APR when you open your account, based on your creditworthiness.* Your APR will vary with the market based on the Prime Rate.
    APRs on Balance Transfers  0% APR promotional balance transfer rate for 12 Months on Balance Transfers made between July 15, 2015 - September 30, 2015.  After that, the APR for the unpaid balance and any new balance transfers will be 9.99% to 17.99% based on your creditworthiness and will vary with the market based on the Prime Rate. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. 0% APR promotional balance transfer rate for 12 Months on Balance Transfers made between July 15, 2015 - September 30, 2015.  After that, the APR for the unpaid balance and any new balance transfers will be 9.99% to 17.99% based on your creditworthiness and will vary with the market based on the Prime Rate. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. 4.99% APR promotional balance transfer rate for 12 Months on Balance Transfers made between July 15, 2015 - September 30, 2015. After that, the APR for the unpaid balance and any new balance transfers will be 7.99% to 16.99% based on your credit worthiness and will vary with the market based on the Prime Rate. This transaction is subject to credit approval.
    Travel Protection 
    • Worldwide travel accident insurance
    • Worldwide car rental loss & damage
    • Worldwide travel inconvenience insurance (provided via Automatic common carrier baggage, trip delay & baggage
      delay
    • Roadside assistance
    • Get Benefit Details 
     
     
    • Travel accident coverage insurance
    • Auto rental collision
     
    Personal Concierge Complimentary 24-hour concierge service Complimentary 24-hour concierge service N/A
    Service 24-7 access to dedicated Member Services Representatives Access to dedicated Member Services Representatives Access to dedicated Member Services Representatives
    Pricing Terms Summary of Terms
     
    Summary of Terms
     
    Summary of Terms
     

     

    *Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate.

  • Details and Disclosures

  • Credit Cards  

    Rates and offers are current as of August 2015 and are subject to change.

     

    Balance Transfers 

    Transaction is subject to credit approval. All rates and offers subject to change. The interest rates applicable to purchases or cash advances and for prior promotional balances remain unchanged. Balance transfers are treated as cash advances so interest accrues from the date the transfer is posted to your account. Balance transfers of other PenFed credit cards, loans, and/or lines of credit are not eligible for this promotion. PenFed may stop offering this promotional rate for new balance transfers at any time and without prior notice.

     

    You agree to allow 30 days to process your request, pay the amount(s) authorized and transfer the balance(s) to your PenFed credit card account. You may transfer up to your PenFed available credit, not to exceed your credit limit authorized by PenFed. Please continue to make minimum payments on your other credit card(s) until the balance(s) have been transferred. All over payments must be refunded by the other institution. Payment of the amount(s) authorized by you may or may not satisfy any outstanding balance(s) on the designated account(s). PenFed is not responsible for any remaining balance(s) or additional charges with regard to such accounts, nor for any charges resulting in any delay in the payment and transfer of balances. PenFed reserves the right to refuse multiple transfers from the same credit card. Transferred balances do not qualify for cash rewards or air-travel points under the  Platinum Rewards Program. Balance transfers do not earn credit toward rewards.

     

    $100 Statement Credit Bonus Offer 

    PenFed Platinum Rewards Visa Signature®, PenFed Promise Visa®, PenFed Defender Visa Signature®, PenFed PlatinumCash Rewards Visa®, PenFed Gold Visa®, or PenFed Defender American Express® Accounts approved and issued from July 15, 2015 through September 30, 2015 will receive a $100 statement credit upon spending $1500 in purchase transactions within 3 months of account opening. Cash advances, credit card checks, and balance transfers do not qualify as purchase transactions. Each account is eligible for 1 statement credit of $100. Please allow 4 weeks after spending $1500 to receive the statement credit. 

     

    PenFed Platinum Rewards Visa Signature® Card 

    Purchase and cash advance APR is 9.99% to 17.99% when you open your account, based on your creditworthiness. Your APR will vary with the market based on the Prime Rate. Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate.

      

    Balance Transfers - 0% APR promotional balance transfer rate for 12 Months on transfers made between July 15, 2015 - September 30, 2015. After that, the APR for the unpaid balance and any new balance transfers will be 9.99% to 17.99% based on your creditworthiness and will vary with the market based on the Prime Rate. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. 

    *The PenFed Platinum Rewards Visa Signature® Card program is issued and administered by PenFed. Refer to Benefits Information for complete program rules, terms and conditions.

     Rewards are available only for new purchases made with the card: cash advances, checks drawn from the account, and balance transfers are excluded and do not earn credit toward rewards. Certain restrictions may apply. Visa® USA determines which transactions are classified as gas purchases paid at the pump and supermarket purchases based on Merchant Category Codes. Military commissaries are supermarkets. Fuel purchases for airplanes and boats receive 1 point per dollar spent. Your card account must be open and in good standing to earn rewards. 

     

    Cardholders may sign up for Free electronic statement notification to avoid paying a $1.00 fee for mailed paper statements.

     

    PenFed Promise Card  

    Promise Visa Cardholders must subscribe to our e-statement service for ALL active credit card accounts held with PenFed. PenFed is not affiliated with or endorsed by Upromise, Inc.

    Purchase and cash advance APR is 7.99% to 16.99% when you open your account, based on your credit worthiness. Your APR will vary with the market based on the Prime Rate. Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate. 

     

    Balance Transfers - 4.99% APR promotional balance transfer rate for 12 Months on transfers made between July 15, 2015 - September 30, 2015. After that, the APR for the unpaid balance and any new balance transfers will be 7.99% to 16.99% based on your creditworthiness and will vary with the market based on the Prime Rate. This transaction is subject to credit approval.

     

    PenFed Premium Travel Rewards American Express® Card 

    Purchase and cash advance APR is 9.99% to 17.99% when you open your account, based on your creditworthinessYour APR will vary with the market based on the Prime Rate. Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approvalNot all applicants will qualify for the lowest rate. 

    Balance Transfers - 0% APR promotional balance transfer rate for 12 Months on balance transfers made between July 15, 2015 - September 30, 2015After that, the APR for the unpaid balance and any new balance transfers will be 9.99% to 17.99% based on your creditworthiness and will vary with the market based on the Prime Rate. A 3% balance transfer fee applies to each transfer.  This transaction is subject to credit approval.

    The PenFed Premium Travel Rewards American Express® Credit Card program is issued and administered by PenFed. Refer to American Express Benefits Information (PDF - Click Here) for complete program rules, terms and conditions. American Express® is a federally registered Service mark of American Express® and is used by PenFed pursuant to a license.

    Cash advances, credit card checks, and balance transfers are excluded from earning point rewards. 

    Cardholders may sign up for Free electronic statement notification to avoid paying a $1.00 fee for mailed paper statements. 

     

    PenFed Defender American Express® Card 

    Must be in military service, the National Guard, the Reserves, or an honorably discharged Veteran of the United States Military to apply.

    Purchase and cash advance APR is 8.99% to 17.99% when you open your account, based on your creditworthiness. Your APR will vary with the market based on the Prime Rate. Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate. 

     

    Balance Transfers - 4.99% APR promotional balance transfer rate for 12 months on transfers made between July 15, 2015 - September 30, 2015. After that, the APR for the unpaid balance and any new balance transfers will be 8.99% to 17.99% based on your creditworthiness and will vary with the market based on the Prime Rate. This transaction is subject to credit approval.

    Cash advances, credit card checks, and balance transfers do not earn cash rewards. 

     

    This Credit Card program is issued and administered by PenFed. Refer to American Express Benefits Information (PDF - click here) for complete   program rules, terms and conditions. American Express® is a federally registered Service mark of American Express® and is used by PenFed pursuant to a license.  

     

    PenFed Defender Visa Signature® Card 

    Must be in military service, the National Guard, the Reserves, or an honorably discharged Veteran of the United States Military to apply.

    Purchase and cash advanceAPR i8.99% to 17.99% when you open your account, based on your creditworthiness. Your APR will vary with the market based on the Prime Rate.Rates are based on an evaluatioof applicant credit. Your actual APR will be discloseat the time of credit approval. Not all applicantwill qualify for the lowest rate. 

    Balance Transfers - 4.99% APR promotional balance transfer rate for 12 months on transfers made between July 15, 2015 - September 30, 2015. After that, the APR for the unpaid balance and any new balance transfers will be  8.99% to 17.99% based on your creditworthiness and will vary with the market based on the Prime Rate. This transaction is subject to credit approval. 

    Cash advances, credit card checks, and balance transfers do not earn cash rewards. 

     

    Visa® Gold Card 

     Purchase and cash advance APR is 12.49%. Your APR will vary with the Prime Rate. 

     

    Balance Transfers - 0% APR promotional balance transfer rate for 12 Months on transfers made between July 15, 2015 - September 30, 2015. After that, the APR for the unpaid balance and any new balance transfers will vary with the market based on the Prime Rate, and is currently 12.49%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval.


    Cardholders may sign up for Free electronic statement notification to avoid paying a $1.00 fee for mailed paper statements.

     

     

    Visa® Classic Card  

    APR for purchases and cash advances is 13.99% and will vary with the market based on the Prime Rate.

    Balance Transfers - 0% APR promotional balance transfer rate for 12 Months on Balance Transfers made between July 15, 2015 - September 30, 2015. After that, the APR for the unpaid balance and any new balance transfers will vary with the market based on the Prime Rate, and is currently  13.99%. A 3% balance transfer fee applies to each transfer.  This transaction is subject to credit approval.

    Cardholders may sign up for Free electronic statement notification to avoid paying a $1.00 fee for mailed paper statements.

     

    Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

    Wisconsin Residents: No provision of a marital property agreement, unilateral statement or court decree adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.

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