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  1. Home
  2. Credit Cards
  3. Compare Credit Cards

View and Compare All PenFed Credit Cards

PenFed Gold Visa®  Card

Gold Card

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If you're not a member, see if you pre-qualify before you submit an application, with no risk to your credit score.

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Power Cash Rewards

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Platinum Rewards

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Member

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card icon

Pathfinder® Rewards 

Pre-qualify for your Pathfinder travel card

Member

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Card Type

Low APR

Cash Back

Points

Travel

Best For

Low APR and low promotional balance transfer

Cash back on everyday purchases

Points on everyday purchases

Points on all travel purchases

No Annual Fee

$

$

$

$***

Rewards

None

Cash Back

Points

Points

Intro Bonus Offer

Low intro APR for 15 months after account opening ‡

$100+ Statement credit

15,000 Bonus Pointsƚ

Bonus Pointsˆ

Intro Purchase APR

Yes

No

No

No

Foreign Transaction Fees

None

None

None

None

Rewards Expiration

N/A

Rewards never expire while your account is open

Rewards expires after 5 years

Rewards expires after 5 years

Structure**

N/A

2% cash back on all purchases for PenFed Honors Advantage Members±

5X points on gas paid at the pump and EV charging stations, 3X points at the supermarket and 1.5X points on all other purchases†

4X Points on all Travel categories for PenFed Honors Advantage Members and 1.5X points on all other purchases±.

Earn over $^ in travel perks

Required Credit Score

Good/Excellent Credit

Good/Excellent Credit

Good/Excellent Credit

Good/Excellent Credit

Rewards Redemption Option

N/A

Transfer to PenFed or external deposit account or Statement Credit

Redeem points for travel, gift cards and merchandise

Redeem points for travel, gift cards and merchandise

Purchase Variable APR*

%

%

%

%

Honor Advantage Member Benefits

No

Yes±

No

Yes±

Apply for your Gold card

Member

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Your info will be pre-filled.

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Guest

Apply now and we'll create your membership during the application process.

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Learn More

Apply for your Power Cash Rewards card

Member

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Your info will be pre-filled.

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Guest

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Apply for your Platinum Rewards card

Member

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Your info will be pre-filled.

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Guest

Apply now and we'll create your membership during the application process.

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Apply for your Pathfinder travel card

Member

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Your info will be pre-filled.

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Guest

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Disclosure

*Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval.

Rate and offers current as of and are subject to change. 

**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 or Free Checking 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 maintain the eligibility requirements, you will no longer be eligible for the waiver. You will receive advance notice of this change.

‡ Introductory APR on purchases made the first months after account opening. After that, the APR for the unpaid purchase balance and any new purchases will be % based on your creditworthiness which includes an evaluation of your credit history and will vary with the market based on the Prime Rate.

±To 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 or Free Checking account with PenFed. Members with a qualifying Free Checking account must also 1) maintain a minimum $500 daily balance OR 2) set up monthly direct deposits of $500 or more in order to maintain Honors Advantage Eligibility. A minimum balance or direct deposit is not required to maintain a Free Checking account.

ƚEligible accounts will receive a one-time 15,000-point bonus upon spending $1,500 in qualified purchase transactions within 90 days of account opening.  Cash advances, credit card checks, and balance transfers do not qualify as purchase transactions.  Please allow 4 weeks to receive the bonus point credit.  Account must be open and in good standing to qualify.

^ bonus points when you spend $ in purchase transactions in the first 90 days- up to $500 in value. Your points will vary in value based on redemptions but will always be valued at a minimum of $0.0085. Some point redemptions will be worth up to $0.01. Plus, $100 annual domestic air ancillary travel statement credit, $120 global entry or $85 TSA pre-check statement credit, and complimentary priority pass airport lounge annual membership, a $99 value. Each account is eligible for 1 bonus at account opening. Please allow 4 weeks after spending $ 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.

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This credit union is federally insured by the National Credit Union Administration. Rates are current as of May 2025 unless otherwise noted and are subject to change.

APY = Annual Percentage Yield
APR = Annual Percentage Rate


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