AMAC

AMAC Partnership

Annual AMAC Membership Credit2

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No to low annual fee

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Great balance transfer offer

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Highly competitive rates

$16

ANNUAL AMAC MEMBERSHIP CREDIT when you pay with your PenFed credit card

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Points on gas paid at the pump and EV charging stations

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Points at the supermarket (including most Target and Walmart locations), restaurants and TV, radio, cable, streaming services

No annual fee

15,000 Bonus Points when you spend $1,500 in first 90 days

Not a problem, anyone can join. Apply now and we'll create your membership during this application.

Credit Level Guidelines

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Good/Excellent Credit

 

No declared bankruptcy or loan default in the last 6 months. No accounts more than 90+ days overdue in the last 3 months. No excessive credit inquiries over the last 1 month.

Meeting these criteria is not sufficient alone. Additional factors from your credit history and application will also be considered in the determination of extending credit. You may use the “See if I pre-qualify” button, which will not impact your credit score, as an indication if you may qualify. You can pre-qualify, meet the above criteria, and still be declined.

$16

ANNUAL AMAC MEMBERSHIP CREDIT when you pay with your PenFed credit card

2% cash back on all purchases for PenFed Honors Advantage Members

1.5% cash back on all purchases

No annual fee

$ Bonus Statement Credit when you spend in the first 90 days

Not a problem, anyone can join. Apply now and we'll create your membership during this application.

Credit Level Guidelines

Credit Graph

Good/Excellent Credit

 

No declared bankruptcy or loan default in the last 6 months. No accounts more than 90+ days overdue in the last 3 months. No excessive credit inquiries over the last 1 month.

Meeting these criteria is not sufficient alone. Additional factors from your credit history and application will also be considered in the determination of extending credit. You may use the “See if I pre-qualify” button, which will not impact your credit score, as an indication if you may qualify. You can pre-qualify, meet the above criteria, and still be declined.

$16

ANNUAL AMAC MEMBERSHIP CREDIT when you pay with your PenFed credit card

Everyday Low APR on purchases after introductory period ends

Introductory APR on purchases made the first months after account opening

No annual fee

Introductory balance transfer APR for 15 months. 3% fee applies to each transaction. Subject to credit approval. Read More

Not a problem, anyone can join. Apply now and we'll create your membership during this application.

Credit Level Guidelines

Credit Graph

Good/Excellent Credit

 

No declared bankruptcy or loan default in the last 6 months. No accounts more than 90+ days overdue in the last 3 months. No excessive credit inquiries over the last 1 month.

Meeting these criteria is not sufficient alone. Additional factors from your credit history and application will also be considered in the determination of extending credit. You may use the “See if I pre-qualify” button, which will not impact your credit score, as an indication if you may qualify. You can pre-qualify, meet the above criteria, and still be declined.

$16

ANNUAL AMAC MEMBERSHIP CREDIT when you pay with your PenFed credit card

Bonus Points when you spend $ in the first 90 days

4x

Points on all Travel categories for PenFed Honors Advantage Members

Up to $ total travel value

Complimentary Priority Pass airport lounge annual membership

Not a problem, anyone can join. Apply now and we'll create your membership during this application.

Credit Level Guidelines

Credit Graph

Good/Excellent Credit

 

No declared bankruptcy or loan default in the last 6 months. No accounts more than 90+ days overdue in the last 3 months. No excessive credit inquiries over the last 1 month.

Meeting these criteria is not sufficient alone. Additional factors from your credit history and application will also be considered in the determination of extending credit. You may use the “See if I pre-qualify” button, which will not impact your credit score, as an indication if you may qualify. You can pre-qualify, meet the above criteria, and still be declined.

Terms and Conditions

Balance Transfer Offer for Gold Visa Cardholders

% introductory APR for  on balance transfers made in the first days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of %. A % balance transfer fee applies to each transfer. This transaction is subject to credit approval. 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.

Credit Card Benefits

For more information on benefits, review these downloadable PDFs.

Signature® card benefits apply to credit lines $5,000 and above.

Benefits

Gold

Power Cash

Platinum

Pathfinder

Traditional

Cell Phone Protection

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Emergency Card Replacement & Cash Disbursement

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Lost/Stolen Card Reporting

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Roadside Dispatch

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Travel Accident Insurance

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Signature

Entertainment (access, upgrades, and savings)

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Fine Wine and Food (access and savings)

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Purchase Security

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Shopping Discounts

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Sports and Golf Benefits

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Travel (offers and upgrades)

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Travel and Emergency Assistance

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Visa Signature Concierge

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Year End Summary Statement

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Travel Signature

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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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

Learn More »

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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.

Learn More »

Disclosures

To receive any advertised product, you must become a member of PenFed Credit Union which includes opening a $5 PenFed savings account.

As a PenFed Pathfinder® Rewards cardholder, if you qualify for Honors Advantage (member of the military or Access America or Free Checking 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 maintain the eligibility requirements, 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.

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

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.