PenFed Platinum Rewards Visa Signature® Card
Apply Now

Apply before becoming a member.

After your application, we’ll help you:

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

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

penfed platinum rewards visa signature card

PenFed Platinum Rewards Visa Signature® Card

Apply Now

Apply before becoming a member.

After your application, we’ll help you:

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

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

PRODUCT SNAPSHOT

Get Rewards on Everyday Purchases

Earn as you pay and get a little more with your everyday purchases. Rewards at the supermarket and the gas pump? That's the platinum standard.

 

INTEREST & FEE INFORMATION »

CREDIT CARD AGREEMENT »

 
 
 ANNUAL AMAC MEMBERSHIP
 CREDIT when you pay with
 your PenFed credit card
   
  • 5x / 3x Points** on gas at the pump / on groceries  
  • 1x Points** on all other purchases  
  • $100 Statement Creditƚ when you spend $1,500 in first 90 days  
  • 0% Promo APR On balance transfers for 12 Months. 3% balance transfer fee. Subject to credit approval.  Read More
 
  • Favorable Fees No annual fees and no foreign transaction fees!
  • Enhanced Security EMV chip-enabled for added security
  • Contactless Payments enabled Fast, Easy, and Secure Checkouts!

Balance Transfer Offer for PenFed Platinum Rewards Visa Signature® Cardholders

% APR promotional balance transfer rate for on transfers made . After that, the APR for the unpaid balance and any new balance transfers will be %. 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.

Summary of Terms - PDF

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

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.
Annual Fee None
Cash Advance Fee None

*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.

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.

**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 gas purchases paid at the pump and supermarket purchases based on Merchant Category Codes. Military commissaries are supermarkets. Fuel purchases for airplanes and boats receive 1 point per dollar spent. Your card account must be open and in good standing to earn rewards.

ƚAccounts that are issued and approved will receive a $100 statement credit upon spending $1500 in purchase transactions within 90 days of account opening. Cash advances, credit card checks, and balance transfers do not qualify as purchase transactions. Each account is eligible for 1 statement credit of $100. Please allow 4 weeks after spending $1500 to receive the statement credit.

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



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How Many Rewards Points Will You Earn?

Calculate Your Rewards

$500/mo
$1,500/mo
$1,500/mo

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ANNUAL REWARD POINTS


MONTHLY REWARD POINTS

Apply Now

Apply before becoming a member.

After your application, we’ll help you:

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

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

REWARDS

gift cards

Gift Cards

travel rewards

Travel

shopping rewards

Shopping

Details and 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 http://www.visa.com/security.

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