Built-in protection and security

Enjoy enhanced security with your chip-enabled card when used at a chip-enabled terminal online and over the phone.

Shop Everywhere with Confidence

Enhanced Fraud Protection

When you use your card at a chip-enabled terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.

Global Acceptance

More merchants are accepting chip transactions every day. Whether you check out using chip technology or swipe your card, you can pay with confidence wherever Visa cards are accepted.

Easy to Use

Simply insert your card into a chip-enabled terminal or tap to pay at a contactless terminal. Then follow the prompts.

How it Works

PenFed cards come with built-in chip technology. This gives you greater fraud protection when you use your card at a chip-enabled terminal. Your new card is not only more secure — it’s also easy to use.

  1. Insert the chip end of the card, face up, into the merchant terminal OR tap/hold the card no more than 1-2 inches from a contactless terminal.

  2. Keep your card in or at the terminal until prompted or the payment is confirmed.

  3. Remove your card, take your receipt — if applicable — and go!



What is a chip and contactless enabled card?

What are contactless payments and tap to pay?

How does chip and contactless technology protect my information?

How do I use my PIN (Personal Identification Number) at a merchant terminal or ATM?

Why is the terminal not asking for my PIN?

How do I get a PIN if I don’t already know it?

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