Compare Points Credit Cards

See how PenFed Platinum stands out among the rest when comparing credit cards for points rewards.

PenFed Platinum Rewards	US Bank Altitude Go	Wells Fargo Autograph
Variable APR capped at %
Yes*	No	No
Gas Rewards
5x Points** on gas paid at the pump and EV charging stations	2x points	3x points
Grocery, Dining and Takeout Rewards
3x Points** at the supermarket and restaurants	2x points on grocery, 4x points dining and take out	1x points on grocery, 3x points on dining and take out
Streaming Rewards
3x Points** on TV, radio, cable, and streaming services	2x points	3x points
Cell Phone Protection
Yes	No	Yes
Limit to points earned in categories
No	Yes 4x on dining/takeout	No
Intro Bonus
Yes^ƚ	Yes	Yes
No Annual Fee
$0	$0	$0
Foreign Transaction Fees
None	3% of each foreign transaction	None
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Data sourced directly from each lender listed: US Bank, and Wells Fargo, and are current as of December 11, 2025.

Disclosure

Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval.

Credit card applications completed online will require your agreement to receive application notifications and disclosures electronically.

Cardholders may sign up for free electronic statement notification to avoid paying a $2.00 fee for mailed paper statements.

Rate and offers current as of December 2025 and are subject to change.

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.

Eligible accounts will receive a one-time 15,000 point bonus upon spending $1,500 in qualified purchase transactions within 90 days of account opening. Cash advances, credit card checks, and balance transfers do not qualify as purchase transactions. Please allow 4 weeks to receive the bonus point credit. Account must be open and in good standing to qualify.

Refer to the Program Rules, Terms and Conditions (PDF) and the Signature Program Benefits (PDF) for detailed information.