Gold Visa® Card
No Annual fee icon

No Annual Fee

PENFED GOLD VISA® CARD

Leave high interest behind

Simple, safe, and secure purchasing power.

Pre-qualify for your Gold card

Member

Sign in for a faster experience; we’ll automatically fill in part of the application, with no risk to your credit score.

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Guest

If you're not a member, see if you pre-qualify before you submit an application, with no risk to your credit score.

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Apply for your Gold card

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Log In for a faster experience.
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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percentage

Purchase Variable APR*: %

calendar

Annual Fee: $

credit rating

Good/Excellent Credit

Interest, Fees, & Terms

Card Agreement & Pricing

Traditional Card Benefits

Gold Visa® Card
No Annual fee icon

No Annual Fee

Pre-qualify for your Gold card

Member

Sign in for a faster experience; we’ll automatically fill in part of the application, with no risk to your credit score.

I’m a member

Guest

If you're not a member, see if you pre-qualify before you submit an application, with no risk to your credit score.

I’m not a member

Apply for your Gold card

Member

Log In for a faster experience.
Your info will be pre-filled.

I’m a member

Guest

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

I’m not a member

Interest, Fees, & Terms

Card Agreement & Pricing

Traditional Card Benefits

PENFED GOLD VISA® CARD

Leave high interest behind

Simple, safe, and secure purchasing power.

percentage

Purchase Variable APR*: %

calendar

Annual Fee: $

credit rating

Good/Excellent Credit

Gold Visa® Card
No Annual fee icon

No Annual Fee

PENFED GOLD VISA® CARD

Leave high interest behind

Simple, safe, and secure purchasing power.

percentage

Purchase Variable APR*: %

calendar

Annual Fee: $

credit rating

Good/Excellent Credit

Pre-qualify for your Gold card

Member

Sign in for a faster experience; we’ll automatically fill in part of the application, with no risk to your credit score.

I’m a member

Guest

If you're not a member, see if you pre-qualify before you submit an application, with no risk to your credit score.

I’m not a member

Apply for your Gold card

Member

Log In for a faster experience.
Your info will be pre-filled.

I’m a member

Guest

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

I’m not a member

Interest, Fees, & Terms

Card Agreement & Pricing

Traditional Card Benefits

This card is best for:

0% introductory APR on balance transfers.

Low APR

On everyday purchases after introductory period ends.
low apr icon

Introductory APR

On balance transfers for . % fee applies to each transaction. Subject to credit approval. Read More
0% icon

Cell phone protection

$1,000 max in annual protection for paying your monthly wireless bill with your PenFed Card. Terms, conditions, and exclusions apply.
cell protection icon

Zero fraud liability±

For unauthorized transactions made on your card.
fraud liability icon

This card is best for:

0% introductory APR on balance transfers.

low apr icon

Low APR

On everyday purchases after introductory period ends.

0% icon

Introductory APR

On balance transfers for . % fee applies to each transaction. Subject to credit approval. Read More

cell phone protection icon

Cell phone protection

$1,000 max in annual protection for paying your monthly wireless bill with your PenFed Card. Terms, conditions, and exclusions apply.

fraud liability icon

Zero fraud liability±

For unauthorized transactions made on your card.

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 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.

Cardholder benefits

No Foreign Transaction Fees

Using your PenFed card abroad won’t cost you an extra dime. 

Exclusive Offers & Discounts

Check out the latest member-only discounts on a variety of products and services.

Cell Phone Protection

Protect your cell phone against theft and damage for the next calendar month by paying your monthly wireless bill with your PenFed credit card.

Travel Accident Coverage

When you purchase your travel ticket with your PenFed Gold card, you are eligible for accident coverage of up to $100,000. Refer to Traditional Card Benefits PDF.

Roadside Dispatch®

Get convenient, 24/7 pay-per-use roadside assistance for towing, tire change, jump start, lockout service, and more.

Emergency Card Replacement and Cash Disbursement

Quickly and easily get a replacement Visa Card sent to you and/or receive emergency cash at a convenient location, anytime and anywhere, worldwide.

Balance Transfer Calculator

Calculate your potential interests savings with a PenFed balance transfer.

PenFed Promotion Period

Balance Transfer Fee

%

PenFed Interest Rate

%

$100 - $25K

*Your current APR can be found on your latest credit card statement.

Your Estimated Savings

Assumes a % monthly payment on the transferred account, which includes a % balance transfer fee.

Savings Breakdown

This calculation doesn't include the % minimum payments

Interest with your current card(s) (21.99% APR)
$0

Interest with a PenFed Intro APR for (% APR)
-
$0

PenFed balance transfer fee (%)
-
$0

Estimated savings with PenFed
=
$0

Interest & Fees

Penfed
Penfed
Penfed Members
Current
Current
Current Card
0 0
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Penfed Members

Dark Blue Square List Bullet

Current Card

Benefits

list bullet

Lower Interest: Simplify multiple monthly payments into one 
easy-to-pay bill.

list bullet

Balance Transfer: Consolidate debt and potentially lower interest.

Apply for your Gold card

Member

Log In for a faster experience.
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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Calculations are for example only, not a credit offer and accuracy is not guaranteed.

Ready to redeem your mail offer?

Enter the code from your mail and complete your application in less than 60 seconds!

Enter Offer Code

FAQs

Yes, you may qualify for an 0% introductory APR for on purchases and balance transfers. Review Interest, Fees, & Terms for more information.

No. Gold card is our low APR card and doesn't earn rewards.

Disclosure

*

Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval.

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.

Rates and offers current as of  and are subject to change.

±

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

Credit score calculated based on FICO® Score 9 model. Your lender or insurer may use a different FICO® Score than FICO® Score 9, or another type of credit score altogether. Learn More.