CREDIT CARDS
Introducing the PenFed Defender Rewards™ Visa Signature® Card
5X points at the pump and EV charging
3X points at commissaries and base exchanges
3X points at sporting goods stores
Ready to upgrade your wallet?
Choose the card that’s right for you and get a decision in 20 seconds or less.
Cash Back Rewards
Reward Points
Low Intro APR
Features
% intro APR on balance transfers for
.
% balance transfer fee applies. Subject to credit approval. Read More
Zero Fraud Liability1 for unauthorized transactions
Up to $1,000/year in cell phone protection See Details
% intro APR for
on purchases. Read More
Reward Points
Travel Rewards
Low Intro APR
APR*
%
Features
% intro APR on balance transfers for
.
% balance transfer fee applies. Subject to credit approval. Read More
Zero Fraud Liability1 for unauthorized transactions
Up to $1,000/year in cell phone protection See Details
% intro APR for
on purchases. Read More
Features for all PenFed cards
Credit Card Benefits2
For more information on benefits, review these downloadable PDFs.
Signature® card benefits apply to credit lines $5,000 and above.
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Benefits |
Gold |
Defender |
Power Cash |
Platinum |
Pathfinder |
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Traditional |
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Cell Phone Protection |
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Roadside Dispatch |
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Travel Accident Insurance |
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Signature |
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Purchase Security |
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Travel and Emergency Assistance |
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Visa Signature Concierge |
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Travel Signature |
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Auto Rental Collision Damage Waiver |
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Baggage Delay Reimbursement |
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Lost Luggage Reimbursement |
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Trip Delay Reimbursement |
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Disclosures
*
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 $ fee for mailed paper statements.
Rates and offers current as of and are subject to change.
1
Visa Zero Liability Policy covers U.S.–issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa. Cardmembers must notify PenFed promptly of any unauthorized use.
2
Traditional card benefits apply to credit lines below $5,000 and the Signature® card benefits apply to credit lines $5,000 and above.
3
Cash advances, cash-like transactions, credit card checks, balance transfers, and account fees are excluded from earning rewards.
4
Accounts that are issued and approved will receive a $100 statement credit upon spending $1500 in purchase transactions within 90 days 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.
5
Your card account must be open and in good standing to earn rewards. Rewards are available only for new purchases made with the card: cash advances, credit card checks 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, EV charging stations, military exchange stores, commissaries, supermarket purchases, restaurants, streaming services and sporting goods store purchases based on Merchant Category Codes. Fuel purchases for airplanes and boats receive 1 point per dollar spent.
6
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) for detailed information.
7
Accounts that are issued and approved will receive bonus points upon spending $
in purchase transactions within 90 days of account opening. Each account is eligible for 1 bonus at account opening. Please allow 4 weeks after spending $
to receive the bonus. 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 travel purchases based on Merchant Category Codes. Your card account must be open and in good standing to earn rewards.
8
To qualify for the PenFed Honors Advantage Program you must 1) be in an active military service status, a member of the Reserves or National Guard, an honorably discharged U.S. Military Veteran or retired from such service OR 2) the member must be the primary owner on both the credit card and checking accounts of any existing open PenFed product, excluding PenCheck Limited accounts, or open a new Access America Checking or Free Checking account with PenFed. Members with a qualifying Free Checking account must also 1) maintain a minimum $500 daily balance OR 2) set up monthly direct deposits of $500 or more in order to maintain Honors Advantage Eligibility. A minimum balance or direct deposit is not required to maintain a Free Checking account.
Refer to the Power Cash Program Rules, Terms and Conditions (PDF) and the Pathfinder Program Rules, Terms and Conditions (PDF) for detailed information.