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Features available on all cards
PENFED POWER CASH REWARDS VISA SIGNATURE® CARD
Earn cash back on everything, everywhere!
- No annual fee
- Earn 2% Cash Back*
*On all purchases for PenFed Honors Advantage Members
PENFED PATHFINDER® REWARDS VISA SIGNATURE® CARD
Earn rewards on all travel purchases.
- 4x points* on travel
- 50,000 bonus points**
*On all travel categories for Honors Advantage Members.
**When you spend $3,000 in first 90 days.
PLATINUM REWARDS VISA SIGNATURE® CARD
Get Rewarded!
- 5x points on gas at the pump and EV charging stations
- 3x points on groceries, restaurants, and TV/radio/cable/streaming services
- 1x point on all other purchases
*Spend $1,500 in first 90 days.
GOLD VISA® CARD
Our lowest rate card. $100 statement credit.*
- No annual fee
- Low APR on all purchases
*Spend $1,500 in first 90 days.
LOW APR on purchases
$100 Bonus Statement Credit when you spend $1,500 in the first 90 days
Annual Fee: $0
Purchase Variable APR: % to
%
0% PROMO APR‡ on balance transfers for
, after that a non-variable APR of
%, 3% fee applies to each transaction. Subject to credit approval.
2% CASH BACK on all purchases for PenFed Honors Advantage Members
1.5% CASH BACK on all purchases
$100 Bonus Statement Credit when you spend $1,500 in the first 90 days
Annual Fee: $0
Purchase Variable APR: % to
%
0% PROMO APR‡ on balance transfers for 12 months , after that a non-variable APR of
%, 3% fee applies to each transaction. Subject to credit approval.
5x
Points on gas paid at the pump and EV charging stations
3x
Points at the supermarket (including most Target and Walmart locations), restaurants and TV, radio, cable, streaming services
1x
Points on all other purchases
15,000 Bonus Points when you spend $1,500 in first 90 days
Annual Fee: $0
Purchase Variable APR: % to
%
0% PROMO APR‡ on balance transfers for 12 months , after that a non-variable APR of
%, 3% fee applies to each transaction. Subject to credit approval.
50,000 Bonus Points when you spend $3000 in the first 90 days
4x
Points on all Travel categories for PenFed Honors Advantage Members
3x
Points on all Travel categories
1.5x
Points on all other purchases
Annual Fee: $95†
(waived for existing Honors Advantage Members)
Purchase Variable APR: % to
%
0% PROMO APR‡ on balance transfers for 12 months , after that a non-variable APR of
%, 3% fee applies to each transaction. Subject to credit approval.
Credit Card Benefits
Every PenFed card comes with peace of mind and privileges.
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Benefits
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Gold
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Power Cash
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Platinum
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Pathfinder
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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 »
CARD RESOURCE CENTER
Forms and Disclosures
LEARN MORE »
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.
