Features available on all cards
|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||% 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 %.|
|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.|
|CASH ADVANCE FEE||None|
|BALANCE TRANSFER FEE||%|
*Rates are based on an evaluation of applicant credit. 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 $ fee for mailed paper statements.
Rate and offers current as of and are subject to change.
^ Introductory APR on purchases made the first months after account opening. After that, the APR for the unpaid purchase balance and any new purchases will be to based on your creditworthiness which includes an evaluation of your credit history and will vary with the market based on the Prime Rate.
Refer to the Traditional Program Benefits Guide (PDF) for detailed information.
No Annual Fees:
No Foreign Transaction Fees:
24/7 Fraud Monitoring:
Your account is monitored for transactions that may indicate fraudulent activity, and we may contact you immediately if fraud is suspected.
When used at a chip-enabled terminal, chip technology provides stronger security for your card information.
Secure Remote Commerce (SRC):
Shop online with the peace of mind that Visa uses advanced technologies and multiple layers of payment security to help protect your card against unauthorized use. Set-up your Visa SRC account today!
Tokenized account numbers in your mobile wallet:
Your name, account number, and security codes aren’t stored on your device so merchants never see your account information.
Increase your financial freedom by taking advantage of our competitive balance transfer offers. Use your balance transfer to:
Consolidate debt and lower your interest rates
Pay down higher-rate cards
Reduce your monthly payments
Cover unexpected expenses
Features available on all cards
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.
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
CARD AGREEMENT & PRICING
Annual Fee: $
Purchase Variable APR*: % to %
Everyday Low APR on purchases after introductory period ends
Introductory APR on purchases^ made the first months after account opening
Introductory Balance Transfer APR for . % fee applies to each transaction. Subject to credit approval. Read More
Calculate Balance Transfer
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.