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


Earn more everywhere you go!

QUESTIONS?

Speak with a member service
representative at 855-278-1157.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases % to % 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 % promotional balance transfer rate for on transfers made . After that, the APR for the unpaid balance and any new balance transfers will be be a 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 $95***
Cash Advance Fee None
Balance Transfer Fee %

*Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate.

**Cash advances, credit card checks, and balance transfers are excluded from earning rewards.

***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.

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 $1.00 fee for mailed paper statements.

Rate and offers current as of and are subject to change. View pricing lists & cardholder agreements.

ƚAccounts that are issued and approved will receive 50,000 bonus points upon spending $3000 in purchase transactions within 90 days of account opening. Each account is eligible for 1 bonus at account opening. Please allow 4 weeks after spending $3000 to receive the bonus.  Rewards are available only for new purchases made with the card: cash advances, checks drawn from the account, and balance transfers are excluded and do not earn credit toward rewards. Certain restrictions may apply. Visa® USA determines which transactions are classified as travel purchases based on Merchant Category Codes.  Your card account must be open and in good standing to earn rewards.

ƚƚTo qualify for the PenFed Honors Advantage Program you must 1) be in an active military service status, a member of the Reserves or National Guard, an honorably discharged U.S. Military Veteran or retired from such service OR 2) the member must be the primary owner on both the credit card and checking accounts of any existing open PenFed product, excluding PenCheck Limited accounts, or open a new Access America Checking account with PenFed.

Refer to the Program Rules, Terms and Conditions (PDF), Travel Credits (PDF) and the Travel Signature Program Benefits (PDF) for detailed information.

 

Additional Features and Benefits

Favorable Fees

Favorable Annual Fees:

  • You will only have to pay an annual fee of $95*** to enjoy all the great features that come with your PenFed card.

No Foreign Transaction Fees: 

  • You won’t be charged extra for using your PenFed card outside of the U.S.

Favorable Fees

How to Redeem Your Pathfinder Reward Points?

Redeem your rewards, your way...

Click to Pay Icon

Gift Card

Gift cards for shopping, dining and entertainment, and more. check out our reward catalog for more options!

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Travel

Visit our reward catalog to see the great places your PenFed Rewards can take you if you are planning a trip.

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Shopping

Shopping - with reward points. From electronics to kitchen must-haves, sporting goods, household items and so much more!

PENFED HONORS ADVANTAGE

Access America Checking earns you more!

As an Access America Checking account earn 4x points on all travel purchases with a PenFed Pathfinder® Rewards Visa® Signature Card® card.

Disclosures Print Icon Print

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, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit http://www.visa.com/security.

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