No Annual Fee
Leave high interest behind
Simple, safe, and secure purchasing power.
Purchase Variable APR*: %
Annual Fee: $
$16 Annual AMAC Membership Credit: When you pay with your PenFed credit card
Questions?
Speak with a member service
representative at 1-855-278-1157
Leave high interest behind
Simple, safe, and secure purchasing power.
Purchase Variable APR*: %
Annual Fee: $
$16 Annual AMAC Membership Credit: When you pay with your PenFed credit card
Questions?
Speak with a member service
representative at 1-855-278-1157
No Annual Fee
Leave high interest behind
Simple, safe, and secure purchasing power.
Purchase Variable APR*: %
Annual Fee: $
$16 Annual AMAC Membership Credit: When you pay with your PenFed credit card
Questions?
Speak with a member service
representative at 1-855-278-1157
Interest rates and charges
| Annual Percentage Rate (APR) for purchases | |
|---|---|
| APRS for balance transfers | |
| APR for cash advances | |
| Penalty APR and when it applies | |
| 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 |
*
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.
Rates and offers current as of and are subject to change.
This card is best for:
0% introductory APR on balance transfers.
This card is best for:
0% introductory APR on balance transfers.
Low APR
On everyday purchases after introductory period ends.
Introductory APR
On balance transfers for .
% fee applies to each transaction. Subject to credit approval. Read More
Cell phone protection
$1,000 max in annual protection for paying your monthly wireless bill with your PenFed Card. Terms, conditions, and exclusions apply.
Zero fraud liability±
For unauthorized transactions made on your card.
Cardholder benefits
No Foreign Transaction Fees
Using your PenFed card abroad won’t cost you an extra dime.
Exclusive Offers & Discounts
Check out the latest member-only discounts on a variety of products and services.
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.
Travel Accident Coverage
When you purchase your travel ticket with your PenFed Gold card, you are eligible for accident coverage of up to $100,000. Refer to Traditional Card Benefits PDF.
Roadside Dispatch®
Get convenient, 24/7 pay-per-use roadside assistance for towing, tire change, jump start, lockout service, and more.
Emergency Card Replacement and Cash Disbursement
Quickly and easily get a replacement Visa Card sent to you and/or receive emergency cash at a convenient location, anytime and anywhere, worldwide.
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.
Security Alerts
Get notified via text, email, and phone if PenFed notices potential suspicious transactions on your account.
$0 Fraud Liability±
If your card is lost or stolen, you will not be responsible for unauthorized charges. Learn more.
Card Lock
Instantly lock your misplaced, lost, or stolen card with a single click to stop fraud.
AutoPay
Set up AutoPay for your account, and your payments will be made automatically every month.
PenFed Mobile App
Stay on top of your finances with personalized alerts and real-time updates. Download the PenFed Mobile app.
Authorized User
Share your card’s benefits by adding an authorized user. Learn more.
Digital Wallet
More than just a plastic in your wallet, your card is digital wallet ready for secure mobile, online and in-app purchases. Learn how to set up your Digital Wallet.
24/7 Digital Service
Our online services are available to assist you 24 hours a day. Credit Card Contact Center.
PenFed Credit Navigator®
Navigate your credit with confidence - track your FICO® Score1, watch for unusual activity, and access tools to protect your identity. Learn More.
Balance Transfer Calculator
Calculate your potential interests savings with a PenFed balance transfer.
PenFed Promotion Period
Balance Transfer Fee
%
PenFed Interest Rate
%
Your Estimated Savings
Assumes a % monthly payment on the transferred account, which includes a
% balance transfer fee.
Savings Breakdown
This calculation doesn't include the % minimum payments
|
Interest with your current card(s) (21.99% APR) |
$0
|
|
|---|---|---|
|
Interest with a PenFed Intro APR for |
-
|
$0
|
|
PenFed balance transfer fee ( |
-
|
$0
|
|
Estimated savings with PenFed |
=
|
$0
|
Interest & Fees
|
Penfed
Penfed
Penfed Members
|
Current
Current
Current Card
|
|---|---|
| 0 | 0 |
Penfed Members
Current Card
Benefits
Lower Interest: Simplify multiple monthly payments into one easy-to-pay bill.
Balance Transfer: Consolidate debt and potentially lower interest.
*Checking your offers won’t impact your credit score.
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!
FAQs
Yes, you may qualify for an 0% introductory APR for on purchases and balance transfers. Review Interest, Fees, & Terms for more information.
No. Gold card is our low APR card and doesn't earn rewards.