Pentagon Federal Credit Union
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PenFed Flag 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

PenFed Platinum Rewards Visa Signature® 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

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No annual fee

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

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Apply for your Platinum Rewards card

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20 Sec Decision

Get a decision in as little as 20 seconds.

Credit Level Guidelines

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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 Power Cash Rewards®  Visa Signature® Card

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

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1.5% cash back on all purchases

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No annual fee

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$100 Bonus Statement Credit when you spend $1,500 in the first 90 days

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Apply for your Power Cash Rewards card

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Guest

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

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20 Sec Decision

Get a decision in as little as 20 seconds.

Credit Level Guidelines

Credit Graph

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 Gold Visa® Card

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Everyday Low APR on purchases after introductory period ends

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$1,000 maximum in annual cell phone protection when you pay your monthly wireless bill with your PenFed Card.  Certain terms, conditions and exclusions apply. See details.

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No annual fee

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Zero fraud liability± for unauthorized transactions made on your card. Learn More.

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Apply for your Gold card

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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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20 Sec Decision

Get a decision in as little as 20 seconds.

Credit Level Guidelines

Credit Graph

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
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Points on all Travel categories for PenFed Honors Advantage Members

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Points on all dining categories for PenFed Honors Advantage Members

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Earn over $ in travel perks

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Bonus Points when you spend $ in the first 90 days

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Apply for your Pathfinder travel card

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Your info will be pre-filled.

I’m a member

Guest

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

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20 Sec Decision

Get a decision in as little as 20 seconds.

Credit Level Guidelines

Credit Graph

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.

Your PenFed credit card is packed with smart features

Chip Security

Get enhanced fraud protection with a unique, one-time code for every transaction.
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Zero Liability Policy±

Shop with total peace of mind knowing you're not responsible for unauthorized charges.
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Tap to Pay

Pay quickly and securely by simply tapping your card or device at checkout.
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Digital Wallet

Make fast, convenient, and secure purchases with your phone, leaving your physical wallet behind.
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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 will be a standard 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.

Credit Card Benefits1

For more information on benefits, review these downloadable PDFs.

Signature® card benefits apply to credit lines $5,000 and above.

Visa Traditional card benefits (PDF)

Visa Signature card® benefits (PDF)

Travel Visa Signature® benefits (PDF)

Benefits

Gold

Power Cash

Platinum

Pathfinder

Traditional

Cell Phone Protection
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Roadside Dispatch
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Travel Accident Insurance
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Signature

Purchase Security
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Travel and Emergency Assistance
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Visa Signature Concierge
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Travel Signature

Auto Rental Collision Damage Waiver
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Baggage Delay Reimbursement
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Lost Luggage Reimbursement
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Trip Delay Reimbursement
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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.

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CARD RESOURCE CENTER

Forms and Disclosures

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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.

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Disclosure

±

Visa Zero Liability Policy covers U.S.–issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa. Cardmembers must notify PenFed promptly of any unauthorized use.

1

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

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This credit union is federally insured by the National Credit Union Administration. Rates are current as of April 2026 unless otherwise noted and are subject to change.

APY = Annual Percentage Yield
APR = Annual Percentage Rate

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Routing #256078446

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