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PenFed Gold Visa® Card
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Apply before becoming a member.

After your application, we’ll help you:

1. Discover how you’re eligible to become a PenFed member

2. Open a Savings/Share Account and deposit at least $5

PenFed Gold Visa® Credit Card

PenFed Gold
Visa® Card

Apply Now

Apply before becoming a member.

After your application, we’ll help you:

1. Discover how you’re eligible to become a PenFed member

2. Open a Savings/Share Account and deposit at least $5

PRODUCT SNAPSHOT

Our Lowest-Rate Card

Benefits of this gold card include low APR and low promotional balance transfer APR. Go for the gold today!

INTEREST & FEE INFORMATION »

CREDIT CARD AGREEMENT »



  • LOW APR ON ALL PURCHASES including cash advances  
  • NO ANNUAL FEE   
  • $100 Statement Creditƚ when you spend $1,500 in first 90 days   
  • 0% Promo APR On balance transfers for 12 months. 3% balance transfer fee. Subject to credit approval.  Read More
 
  • Favorable Fees No annual fees and no foreign transaction fees!
  • Enhanced Security EMV chip-enabled for added security
  • Contactless Payments enabled Fast, Easy, and Secure Checkouts!

Balance Transfer Offer for PenFed Gold Visa® Cardholders

% APR promotional balance transfer rate for on transfers made  . After that, the APR for the unpaid balance and any new balance transfers will be %. 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.

Summary of Terms - PDF

Apply Now

Apply before becoming a member.

After your application, we’ll help you:

1. Discover you’re eligible to become a PenFed member

2. Open a Savings/Share Account and deposit at least $5

INTEREST RATES AND INTEREST CHARGES

ANNUAL PERCENTAGE RATE (APR) FOR PURCHASES % to % when you open your account, based on your creditworthiness.* Your APR will vary with the market based on the Prime Rate.
APRS FOR BALANCE TRANSFERS % promotional balance transfer rate for on transfers made . After that, the APR for the unpaid balance and any new balance transfers will be be a non-variable rate of %.
APR FOR CASH ADVANCES %
PENALTY APR AND WHEN IT APPLIES % if your minimum payment is not received within 60 days, your entire account is subject to change to the non-variable penalty APR. The penalty APR will remain in place until you make three consecutive monthly payments on or before the due date.
HOW TO AVOID PAYING INTEREST ON PURCHASES Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire account balance, including balance transfers and cash advances, by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
ANNUAL FEE None
CASH ADVANCE FEE None
BALANCE TRANSFER FEE %

 *Rates are based on an evaluation of applicant credit and length of PenFed membership. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lower rate.

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 $1.00 fee for mailed paper statements.

Rate and offers current as of and are subject to change. View pricing lists & cardholder agreements.

ƚAccounts that are issued and approved will receive a $100 statement credit upon spending $1500 in purchase transactions within 90 days of account opening. Cash advances, credit card checks, and balance transfers do not qualify as purchase transactions. Each account is eligible for 1 statement credit of $100. Please allow 4 weeks after spending $1500 to receive the statement credit.

Refer to the Traditional Program Benefits Guide (PDF) for detailed information.

Additional Features and Benefits

No Fees

No Annual Fees:

  • You won't have to pay an annual fee to enjoy all the great features that come with your PenFed card.
 

No Foreign Transaction Fees: 

  • You won’t be charged extra for using your PenFed card outside of the U.S.
No Fees

Features available on all cards

Disclosures Print Icon Print

To receive any advertised product, you must become a member of PenFed Credit Union which includes opening a $5 PenFed savings account.

±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 http://www.visa.com/security.

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