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Features available on all cards
Power Cash Rewards Card
Earn cash back on everything, everywhere!
- No annual fee
- 2% Cash Back*
*On all purchases for PenFed Honors Advantage Members
Pathfinder Rewards Card
Earn rewards on all travel purchases.
- 4x points* on travel
- 50,000 bonus points**
*On all Travel categories for PenFed Honors Advantage Members
**When you spend $3000 in the first 90 days
Platinum Rewards Card
Earn points at the pump. On groceries. And everything else!
- No annual fee
- 5x points on gas, 3x points on groceries
Gold Card
Our lowest rate card. $100 statement credit*.
- No annual fee
- Low APR on all purchases
*Spend $1,500 in the first 90 days
Digital Wallet
Make purchases right from your smart phone.
- Tap-to-pay enabled
- Fast & secure checkout
2% CASH BACK on all purchases for PenFed Honors Advantage Members
1.5% CASH BACK on all purchases
$100 Bonus Statement Credit when you spend $1,500 in the first 90 days
Annual Fee: $0
Purchase Variable APR: 14.99% to 17.99%
0% PROMO APR‡ on balance transfers for 12 months , after that a non-variable APR of
%, 3% fee applies to each transaction. Subject to credit approval.
50,000 Bonus Points when you spend $3000 in the first 90 days
4x
Points on all Travel categories for PenFed Honors Advantage Members
3x
Points on all Travel categories
1.5x
Points on all other purchases
Annual Fee: $95†
(waived for existing Honors Advantage Members)
Purchase Variable APR: 14.99% to 17.99%
0% PROMO APR‡ on balance transfers for 12 months , after that a non-variable APR of
%, 3% fee applies to each transaction. Subject to credit approval.
5x
POINTS on gas purchases paid at the pump
3x
POINTS at the supermarket
1x
POINTS on all other purchases
$100 Bonus Statement Credit when you spend $1,500 in the first 90 days
Annual Fee: $0
Purchase Variable APR: 13.49% to 17.99%
0% PROMO APR‡ on balance transfers for 12 months , after that a non-variable APR of
%, 3% fee applies to each transaction. Subject to credit approval.
LOW APR on purchases
$100 Bonus Statement Credit when you spend $1,500 in the first 90 days
Annual Fee: $0
Purchase Variable APR: 7.49% to 17.99%
0% PROMO APR‡ on balance transfers for 12 months , after that a non-variable APR of
%, 3% fee applies to each transaction. Subject to credit approval.
Credit Card Benefits
Every PenFed card comes with peace of mind and privileges.
| Benefits | Gold | Power Cash | Platinum | Pathfinder |
|---|---|---|---|---|
| Emergency Card Replacement & Cash Disbursement | ||||
| Entertainment (access, upgrades and savings) | ||||
| Fine Wine and Food (access and savings) | ||||
| Lost/Stolen Card Reporting | ||||
| Purchase Security | ||||
| Roadside Dispatch | ||||
| Shopping Discounts | ||||
| Sport and Golf Benefits | ||||
| Travel (offers and upgrades) | ||||
| Travel Accident Insurance | ||||
| Travel and Emergency Assistance Service | ||||
| Visa Signature Concierge | ||||
| Year End Summary Statement |
REWARDS REDEMPTION CENTER
Live the life the way you want and still get rewarded! Earn and redeem your points or cash back.
LEARN MORE »
CARD RESOURCE CENTER
Forms and Disclosures
LEARN MORE »
Debt Protection
Life is unpredictable. With PenFed Debt Protection, your family's financial security is protected in the event you're unable to make timely payments.
LEARN MORE »
Disclosures
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†As a PenFed Pathfinder® Rewards cardholder, if you qualify for Honors Advantage (member of the military or Access America account holder) at the time of the application, we will waive the annual fee on your account. If you were not eligible at account opening, but subsequently become eligible, the annual fee will be waived on your next anniversary. If at any time, you fail to meet the eligibility requirement, you will no longer be eligible for the waiver. You will receive advance notice of this change.
±Visa Zero Liability Policy covers U.S.–issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.
1Traditional card benefits apply to credit lines below $5,000 and the Signature® card benefits apply to credit lines $5,000 and above.
‡If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
