Credit card
BEST OFFER
$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

Annual Fee: $

Purchase Variable APR: % to %

% 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 %, % fee applies to each transaction. Subject to credit approval.

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

Good/Excellent Credit
$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

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

Annual Fee: $

Purchase Variable APR: %

% introductory APR for 12 months 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 %, % fee applies to each transaction. Subject to credit approval.

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

Good/Excellent Credit
$16

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

5x

Points on gas paid at the pump and EV charging stations

3x

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

1x

Points on all other purchases

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

Annual Fee: $

Purchase Variable APR: %

% introductory APR for 12 months 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 %, % fee applies to each transaction. Subject to credit approval.

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

Good/Excellent Credit
$16

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

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: $

(waived for existing Honors Advantage Members)

Purchase Variable APR: %

% introductory APR for 12 months 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 %, % fee applies to each transaction. Subject to credit approval.

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

Credit Card Benefits

Every PenFed card comes with peace of mind and privileges.

Benefits
Gold
Power Cash
Platinum
Pathfinder
Auto Rental Collision Damage Waiver
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Baggage Delay Reimbursement
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Emergency Card Replacement & Cash Disbursement
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Entertainment (access, upgrades and savings)
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Fine Wine and Food (access and savings)
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Lost Luggage Reimbursement
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Lost/Stolen Card Reporting
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Purchase Security
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Roadside Dispatch
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Shopping Discounts
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Sport and Golf Benefits
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Travel (offers and upgrades)
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Travel Accident Insurance
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Travel and Emergency Assistance Service
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Trip Delay Reimbursement
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Visa Signature Concierge
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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

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.