Defender Rewards Card
Rewards Points

Reward Points

PENFED DEFENDER REWARDS™ VISA SIGNATURE® CARD

Rewards built for military life

Express your style with the Camo or Star card design while earning 5X** points on gas at the pump and EV charging, 3X** at sporting goods stores, dining, and groceries, plus 1X** on all other purchases.

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Sign in for a faster experience; we’ll automatically fill in part of the application, with no risk to your credit score.

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Guest

If you're not a member, see if you pre-qualify before you submit an application, with no risk to your credit score.

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percentage

Purchase Variable APR*: %

calendar

Annual Fee: $

credit rating

Good/Excellent Credit

dollar card

$16 Annual AMAC Membership Credit: When you pay with your PenFed credit card3

Questions?
Speak with a member service
representative at 1-855-278-1157

Interest, Fees, & Terms

Card Agreement & Pricing

Visa Signature Card® Benefits1

Traditional Card Benefits1

Defender Rewards Card
Rewards Points

Reward Points

Pre-qualify for Platinum Rewards card

Member

Sign in for a faster experience; we’ll automatically fill in part of the application, with no risk to your credit score.

I’m a member

Guest

If you're not a member, see if you pre-qualify before you submit an application, with no risk to your credit score.

I’m not a member
Defender Card art

Apply for your Defender Rewards™ card

Member

Log In for a faster experience.
Your info will be pre-filled.

I’m a member

Guest

Apply now and we'll create your membership during the application process.

I’m not a member

Interest, Fees, & Terms

Card Agreement & Pricing

Visa Signature Card® Benefits1

Traditional Card Benefits1

PENFED DEFENDER REWARDS™ VISA SIGNATURE® CARD

Rewards built for military life

Express your style with the Camo or Star card design while earning 5X** points on gas at the pump and EV charging, 3X** at sporting goods stores, dining, and groceries, plus 1X** on all other purchases.

percentage

Purchase Variable APR*: %

calendar

Annual Fee: $

credit rating

Good/Excellent Credit

dollar card

$16 Annual AMAC Membership Credit: When you pay with your PenFed credit card3

Questions?
Speak with a member service
representative at 1-855-278-1157

Defender Rewards Card
Rewards Points

Reward Points

PENFED DEFENDER REWARDS™ VISA SIGNATURE® CARD

Rewards built for military life

Express your style with the Camo or Star card design while earning 5X** points on gas at the pump and EV charging, 3X** at sporting goods stores, dining, and groceries, plus 1X** on all other purchases.

percentage

Purchase Variable APR*: %

calendar

Annual Fee: $

credit rating

Good/Excellent Credit

dollar card

$16 Annual AMAC Membership Credit: When you pay with your PenFed credit card3

Questions?
Speak with a member service
representative at 1-855-278-1157

Pre-qualify for Platinum Rewards card

Member

Sign in for a faster experience; we’ll automatically fill in part of the application, with no risk to your credit score.

I’m a member

Guest

If you're not a member, see if you pre-qualify before you submit an application, with no risk to your credit score.

I’m not a member
Defender Card art

Apply for your Defender Rewards™ card

Member

Log In for a faster experience.
Your info will be pre-filled.

I’m a member

Guest

Apply now and we'll create your membership during the application process.

I’m not a member

Interest, Fees, & Terms

Card Agreement & Pricing

Visa Signature Card® Benefits1

Traditional Card Benefits1

Interest rates and charges

Annual Percentage Rate (APR) for purchases % when you open your account, based on your creditworthiness.* Your APR will vary with the market based on the Prime Rate.
APRS for balance transfers % introductory APR for 12 months on balance transfers made in the first days after account opening.4 After that, the APR for the unpaid balance will be a standard non-variable rate of %.
APR for cash advances %
Penalty APR and when it applies % if your minimum payment is not received within 60 days, your entire account is subject to change to the non-variable penalty APR. The penalty APR will remain in place until you make three consecutive monthly payments on or before the due date.
How to avoid paying interest on purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire account balance, including balance transfers and cash advances, by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Annual fee None
Cash advance fee None
Balance transfer fee % per transaction4

*

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.

Rate and offers current as of and are subject to change. 

**

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.

†

The listed merchants are in no way affiliated with Pentagon Federal Credit Union, nor are the listed merchants considered sponsors or co-sponsors of the rewards program. All trademarks are the property of their respective owners.

ƚ

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.

1

Your credit line is used to determine if your account qualifies for Traditional or Signature benefits. If your credit line is $5,000 or more then it qualifies for Signature benefits.

3

$16 annual statement credit when you use a PenFed credit card opened through an authorized AMAC affiliate link to renew your annual AMAC membership.

4

If your account is eligible for one or more promotional offers, applicable terms will be provided at that time. This transaction is subject to credit approval.

This card is best for:

Built for everyday life, with bonus rewards across popular spending categories and added value for military communities.

Points**

On gas paid at the pump and EV charging stations.
15K icon

Points**

At sporting goods stores, supermarkets, restaurants, and on TV, radio, cable and streaming services.
5X icon

Points**

Unlimited on all other purchases.
1x icon

Bonus pointsƚ

When you spend $1,500 in the first 90 days.
15k icon

This card is best for:

Built for everyday life, with bonus rewards across popular spending categories and added value for military communities.

5x icon

Points**

On gas paid at the pump and EV charging stations.

3x icon

Points**

At sporting goods stores, supermarkets, restaurants, and on TV, radio, cable and streaming services.

1x icon

Points**

Unlimited on all other purchases.

15k icon

Bonus pointsƚ

When you spend $1,500 in the first 90 days.

Terms and Conditions

BALANCE TRANSFER OFFER FOR PENFED PLATINUM REWARDS VISA SIGNATURE® CARDHOLDERS

% 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 %. 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 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 can meet the above criteria, and still be declined.

Turn everyday spending into rewards

From gas to groceries, sporting goods to streaming – every purchase earns you more.

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No rotating categories

Nothing to keep track of — just spend and earn at your bonus rate.

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No caps

Spending $100, $1,000, $10,000, or even more? You’ll get unlimited points.

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No gimmicks

Spend your points any way you want.

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Earn on everything

Always earn at least 1X points and even more on gas paid at the pump, groceries, dining, and streaming.

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Member

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Your info will be pre-filled.

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Guest

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Reward points on all purchases!

From gas to groceries, sporting goods to streaming – every purchase earns you more.

Smiling mature couple walking together while holding grocery bags in a brightly lit market.
rotating percentage icon

No rotating categories

Nothing to keep track of — just spend and earn at your bonus rate.

dollar card icon

No Caps

Spending $100, $1,000, $10,000, or even more? You’ll get unlimited points.

hand dollar icon

No gimmicks

Spend your points any way you want.

Defender Card art

Apply for your Defender Rewards™ card

Member

Log In for a faster experience.
Your info will be pre-filled.

I’m a member

Guest

Apply now and we'll create your membership during the application process.

I’m not a member
defender comparison

Compare how we stack up against the rest!

Cardholder benefits

Cell Phone Protection

Protect your cell phone against theft and damage for the next calendar month by paying your monthly wireless bill with your PenFed credit card.

Exclusive Offers & Discounts

Enjoy member-only discounts on a variety of products and services as well as special benefits exclusive to Visa Signature®. Check out offers and deals on food and wine, shopping, sports, hotels, car rentals, entertainment, and more. 

Access to Luxury Hotel Collection

Unleash the power of your Signature card — enjoy access to premium offers and discounts on luxury hotels around the world.

No Foreign Transaction Fees

Use your PenFed credit card worldwide without any additional fees.

Travel Accident Coverage

When you purchase your travel ticket with your PenFed credit card, you are eligible for accident coverage of up to $250,000. Refer to your Visa Signature® card benefits (PDF).

Complimentary Concierge Service

Visa Signature® concierge service is available 24 hours a day, 365 days a year for your travel, dining, and entertainment needs. To learn more, visit Visa Signature® Concierge.

Redeem rewards — your way

You can redeem points for travel, merchandise, and gift cards.

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Gift Cards

Consider our digital Visa® reward cards for same-day delivery, or choose from over 300 gift cards available at top brands for shopping, dining, and entertainment.

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Travel

Planning a trip? Visit our rewards catalog to redeem points on flights, hotels, cars, and unforgettable experiences.

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Shopping

Shop for electronics, as well as sporting goods, fashion and beauty, food and wine, household items, luggage, office supplies, children’s items, and so much more!

Smiling mature man looking down at his blue hiking backpack.
gift card icon

Gift Cards

Consider our digital Visa® reward cards for same-day delivery, or choose from over 300 gift cards available at top brands for shopping, dining, and entertainment.

travel icon

Travel

Planning a trip? Visit our rewards catalog to redeem points on flights, hotels, cars, and unforgettable experiences.

shopping icon

Shopping

Shop for electronics, as well as sporting goods, fashion and beauty, food and wine, household items, luggage, office supplies, children’s items, and so much more!

Rewards Calculator

See how your regular purchases can add up to big rewards.

Calculate Your Rewards

Enter your monthly spend to calculate your potential rewards.

Your Estimated Rewards

Monthly Rewards Points

Annual Rewards Points

Benefits

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No annual fee or rotating categories

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Redeem points for gift cards, merchandise or travel

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Apply for your Defender Rewards™ card

Member

Log In for a faster experience.
Your info will be pre-filled.

I’m a member

Guest

Apply now and we'll create your membership during the application process.

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Calculations are for example only, not a credit offer and accuracy is not guaranteed.

Ready to redeem your mail offer?

Enter the code from your mail and complete your application in less than 60 seconds!

Enter Offer Code

FAQs

As many as you want — there is no limit to the number of points you can earn.

Points expire 5 years from the date earned. To check when your points are set to expire, click on the account icon in the main menu bar and select 'Redemption Summary.' You will see the points that you have earned, your points balance, and the next 3 months of points set to expire.

Disclosures

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

±

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

Credit score calculated based on FICO® Score 9 model. Your lender or insurer may use a different FICO® Score than FICO® Score 9, or another type of credit score altogether. Learn More.