Annual Fee: $0

Purchase Variable APR: 14.99% to 17.99%

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

APPLY NOW

Apply before becoming a member.

After your application, we’ll help you:

1. Discover you’re eligible to become a PenFed member

2. Open a Savings/Share Account and deposit at least $5

Good/Excellent Credit

Annual Fee: $0

Purchase Variable APR: 13.49% to 17.99%

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

APPLY NOW

Apply before becoming a member.

After your application, we’ll help you:

1. Discover you’re eligible to become a PenFed member

2. Open a Savings/Share Account and deposit at least $5

Good/Excellent Credit

Annual Fee: $0

Purchase Variable APR: 7.49% to 17.99%

LOW APR on purchases

0% APR on balance transfers for 12 months

$100 Bonus Statement Credit when you spend $1,500 in the first 90 days

APPLY NOW

Apply before becoming a member.

After your application, we’ll help you:

1. Discover you’re eligible to become a PenFed member

2. Open a Savings/Share Account and deposit at least $5

Good/Excellent Credit

Credit Card Benefits

Every PenFed card comes with peace of mind and privileges.

Benefits Gold Power Cash Platinum
Auto Rental Collision Damage Waiver
Emergency Card Replacement & Cash Disbursement
Entertainment (access, upgrades and savings)
Extended Warranty Protection
Fine Wine and Food (access and savings)
Lost/Stolen Card Reporting
Purchase Security
Roadside Dispatch
Shopping Discounts
Sports and Golf Benefits
Travel (offers and upgrades)
Travel Accident Insurance
Travel and Emergency Assistance Service
Visa Signature Concierge
Year End Summary Statement
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REWARDS REDEMPTION CENTER

Live the life the way you want and still get rewarded! Earn and redeem your points or cash back.

LEARN MORE »

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CARD RESOURCE CENTER

Forms and Disclosures

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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.

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Disclosures Print Icon Print

*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 above $5,000.

2$16 annual statement credit when you use your PenFed credit card to pay for or renew your yearly AMAC membership.

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