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

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.

±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 www.visa.com/security.

1Traditional card benefits apply to credit lines below $5,000 and the Signature® card benefits apply to credit lines $5,000 and above.

2$16 annual statement credit when you use your PenFed credit card to pay for or renew your yearly AMAC membership.

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.

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