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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
Our Lowest-Rate Card
Benefits of this gold card include low APR and low promotional balance transfer APR. Go for the gold today!
INTEREST & FEE INFORMATION »
CREDIT CARD AGREEMENT »
Annual Fee: $0
Purchase Variable APR*: % to %
ANNUAL AMAC MEMBERSHIP CREDIT when you pay with your PenFed credit card
Speak with a member service
representative at 855-278-1157.
LOW APR on all purchases
$100 Bonus Offer Statement Creditƚ when you spend $1,500 in first 90 days
Balance Transfers Promo APR for 12 months. 3% fee applies to each transaction. Subject to credit approval. Read More
% 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.
*Rates are based on an evaluation of applicant credit and length of PenFed membership. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lower 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.
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 Traditional Program Benefits Guide (PDF) for detailed information.
No Annual Fees:
No Foreign Transaction Fees:
24/7 Fraud Monitoring:
Your account is monitored for transactions that may indicate fraudulent activity, and we may contact you immediately if fraud is suspected.
When used at a chip-enabled terminal, chip technology provides stronger security for your card information.
Secure Remote Commerce (SRC):
Shop online with the peace of mind that Visa uses advanced technologies and multiple layers of payment security to help protect your card against unauthorized use. Set-up your Visa SRC account today!
Tokenized account numbers in your mobile wallet:
Your name, account number, and security codes aren’t stored on your device so merchants never see your account information.
Increase your financial freedom by taking advantage of our competitive balance transfer offers. Use your balance transfer to:
Consolidate debt and lower your interest rates
Pay down higher-rate cards
Reduce your monthly payments
Cover unexpected expenses
Features available on all cards
Click to Pay
EMV Chip Technology
Zero Liability Policy±
Tap to Pay
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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The content you are about to view is produced by a third party unaffiliated to Pentagon Federal Credit Union. PenFed takes no responsibility for the content of the page.
For more information about the relationship between PenFed and PenFed Realty, LLC, see the Affiliate Business Arrangement Disclosure.
For more information about the relationship between PenFed and PenFed Title, LLC, see the Affiliate Business Arrangement Disclosure.