Pentagon Federal Credit Union
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Affinity Title

PenFed Visa Pathfinder, Platinum, Gold, and Power Cash Credit Cards

Choose your perfect card

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No to low annual fee

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Great balance transfer offer

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Highly competitive rates

Gold Visa® Card

Credit card
BEST OFFER

Everyday Low APR on purchases after introductory period ends

Introductory APR on purchases made the first months after account opening

No annual fee

Introductory balance transfer APR for 15 months. 3% fee applies to each transaction. Subject to credit approval. Read More

Learn More

Not a problem, anyone can join. Apply now and we'll create your membership during this application.

Get a decision in as little as 20 seconds.

Credit Level Guidelines

Good/Excellent Credit

No declared bankruptcy or loan default in the last 6 months. No accounts more than 90+ days overdue in the last 3 months. No excessive credit inquiries over the last 1 month.

Meeting these criteria is not sufficient alone. Additional factors from your credit history and application will also be considered in the determination of extending credit. You may use the “See if I pre-qualify” button, which will not impact your credit score, as an indication if you may qualify. You can pre-qualify, meet the above criteria, and still be declined.

Power Cash Rewards Visa Signature® Card

Credit card

% cash back on all purchases for PenFed Honors Advantage Members

% cash back on all purchases

No annual fee

$ Bonus Statement Credit when you spend in the first 90 days

Learn More

Not a problem, anyone can join. Apply now and we'll create your membership during this application.

Get a decision in as little as 20 seconds.

Credit Level Guidelines

Good/Excellent Credit

No declared bankruptcy or loan default in the last 6 months. No accounts more than 90+ days overdue in the last 3 months. No excessive credit inquiries over the last 1 month.

Meeting these criteria is not sufficient alone. Additional factors from your credit history and application will also be considered in the determination of extending credit. You may use the “See if I pre-qualify” button, which will not impact your credit score, as an indication if you may qualify. You can pre-qualify, meet the above criteria, and still be declined.

Platinum Rewards Visa Signature® Card

Credit card
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Points on gas paid at the pump and EV charging stations

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Points at the supermarket (including most Target and Walmart locations), restaurants and TV, radio, cable, streaming services

No annual fee

15,000 Bonus Points when you spend $1,500 in first 90 days

Learn More

Not a problem, anyone can join. Apply now and we'll create your membership during this application.

Get a decision in as little as 20 seconds.

Credit Level Guidelines

Good/Excellent Credit

No declared bankruptcy or loan default in the last 6 months. No accounts more than 90+ days overdue in the last 3 months. No excessive credit inquiries over the last 1 month.

Meeting these criteria is not sufficient alone. Additional factors from your credit history and application will also be considered in the determination of extending credit. You may use the “See if I pre-qualify” button, which will not impact your credit score, as an indication if you may qualify. You can pre-qualify, meet the above criteria, and still be declined.

PenFed Pathfinder® Rewards Visa Signature® Card

Credit card

Bonus Points when you spend $ in the first 90 days

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Points on all Travel categories for PenFed Honors Advantage Members

Up to $ total travel value

Complimentary Priority Pass airport lounge annual membership

Learn More
Not a problem, anyone can join. Apply now and we'll create your membership during this application.

Get a decision in as little as 20 seconds.

Credit Level Guidelines

Good/Excellent Credit

No declared bankruptcy or loan default in the last 6 months. No accounts more than 90+ days overdue in the last 3 months. No excessive credit inquiries over the last 1 month.

Meeting these criteria is not sufficient alone. Additional factors from your credit history and application will also be considered in the determination of extending credit. You may use the “See if I pre-qualify” button, which will not impact your credit score, as an indication if you may qualify. You can pre-qualify, meet the above criteria, and still be declined.

Terms and Conditions

Balance Transfer Offer for Gold Visa Cardholders

% introductory APR for  on balance transfers made in the first days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of %. 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.

Features available on all cards

Click to Pay

 Chip Security

Zero Liability Policy±

Tap to Pay

Digital Wallet

Credit Card Benefits

Every PenFed card comes with peace of mind and privileges.

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Visa Traditional card benefits1

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Visa Signature card® benefits1

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Travel Visa Signature® benefits1

Benefits

Gold

Power Cash

Platinum

Pathfinder

Auto Rental Collision Damage Waiver

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Baggage Delay Reimbursement

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Emergency Card Replacement & Cash Disbursement

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Entertainment (access, upgrades and savings)

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Fine Wine and Food (access and savings)

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Lost Luggage Reimbursement

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Lost/Stolen Card Reporting

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Purchase Security

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Roadside Dispatch

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Shopping Discounts

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Sport and Golf Benefits

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Travel (offers and upgrades)

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Travel Accident Insurance

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Travel and Emergency Assistance Service

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Trip Delay Reimbursement

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Visa Signature Concierge

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Year End Summary Statement

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REWARDS REDEMPTION CENTER

Live the life the way you want and still get rewarded! Earn and redeem your points or cash back.

Learn More »

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CARD RESOURCE CENTER

Forms and Disclosures

Learn More »

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Debt Protection

Life is unpredictable. With PenFed Debt Protection, your family's financial security is protected in the event you're unable to make timely payments.

Learn More »

Disclosures

†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.

±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.

‡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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This credit union is federally insured by the National Credit Union Administration. Rates are current as of September 2023 unless otherwise noted and are subject to change.

APY = Annual Percentage Yield
APR = Annual Percentage Rate


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Routing #256078446

©2023 Pentagon Federal Credit Union

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IMPORTANT NOTICE

You are leaving PenFed.org and entering a third party Website that is not a part of Pentagon Federal Credit Union.


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.


IMPORTANT NOTICE

You are leaving PenFed.org and entering a third party site. PenFed Realty, LLC is wholly owned by PenFed and this referral may provide PenFed a financial or other benefit.


For more information about the relationship between PenFed and PenFed Realty, LLC, see the Affiliate Business Arrangement Disclosure.


IMPORTANT NOTICE

You are leaving PenFed.org and entering a third party Website.


The content you are about to view is produced by a third party website that is unaffiliated to Pentagon Federal Credit Union. PenFed takes no responsibility for the content of the page.


IMPORTANT NOTICE

You are leaving PenFed.org and entering a third party site. PenFed Title, LLC is wholly owned by PenFed and this referral may provide PenFed a financial or other benefit.


For more information about the relationship between PenFed and PenFed Title, LLC, see the Affiliate Business Arrangement Disclosure.


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