Compare Credit Cards Designed for Military Life

See how PenFed Defender Rewards ranks among the rest when comparing credit card benefits for military members and their families.

PenFed Defender Rewards	Navy Federal More Rewards	USAA Cashback Rewards Plus
Variable APR capped at %
Yes*	Yes	No
Unlimited Gas Rewards
5x Points** on gas paid at the pump and EV charging stations	2x points	3% cash back capped at first $3k spent
Military Rewards
3x Points** at military commissaries and exchange stores (on base & online)	No	Capped annually — 5% cash back on $5k
Sporting Goods
3x Points** at sporting good stores	No	No
Grocery, Dining and Takeout Rewards
3x Points** at the supermarket and restaurants	3x points at restaurants	3% cash back capped at first $3k spent
Streaming Rewards
3x Points** on TV, radio, cable, and streaming services	No	No
Choose your card design
Yes	No	No
Limit to points earned in categories
No	No	Yes
Intro Bonus
Yes^ƚ	Yes	Yes
No Annual Fee
$0	$0	$0
Foreign Transaction Fees
None	None	None
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Data sourced directly from each lender listed: Navy Federal, and USAA, and are current as of September 2026.

Disclosures

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 $ CC mailed paper statement fee fee for mailed paper statements.

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

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.

Eligible 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.

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