PENFED PATHFINDER REWARDS AMERICAN EXPRESS® CARD

PENFED HONORS ADVANTAGE

You make decisions on how to spend your money. We've made it easy for you to get more of it back.

 

PenFed Honors Advantage provides you with a total of

Earn 4x points on all travel purchases

You receive all the features and protection of the PenFed Pathfinder Rewards American Express® Card with 
4x points on all travel purchases. This offer is as distinguished as our members,
and it’s an honor for us to provide this program to you.

HOW TO QUALIFY

To be eligible to participate in the PenFed Honors Advantage 4x points on travel purchases program, you must qualify through either one of the following:

qualify with an access america checking account

CHECKING ACCOUNT

Have and maintain a PenFed Access America Checking Account. You can open a new account, or use an existing account.*

In order to maintain the 4x points on all travel purchases, you need to keep your checking account open. 

qualify through military service

MILITARY SERVICE

Military service of the primary applicant (active duty, reserve, honorably discharged, or retired).

Military members will receive the 4x points on all travel purchases on completion of the card application. No other action is needed. 

*Once you're approved for the PenFed Pathfinder Rewards American Express(R) Card, you can open a checking account (except a PenCheck Limited Account) and receive an additional 1x point on all travel purchases. You must be primary owner on both the credit card AND checking account to receive Honors Advantage bonus rewards. If no checking account is open at the time of the Pathfinder card application, the 1x point reward increase will be added within one business day of opening the checking account. You must maintain the checking account in order to receive the 4x points on all travel purchases. If you close your checking account, then you’ll receive the standard 3x points on all travel purchases.
Refer to the PenFed Pathfinder Rewards American Express® Card Rewards Program Terms and Conditions 




 

HOW THEY COMPARE

For example, if you spend $750 a month on travel expenses you will earn 9,000 MORE POINTS for the year at a rate of 4x points on all travel vs. the standard 3x points without Honors Advantage. You'll also earn 1.5x points on all purchases unrelated to travel.

 

PenFed Pathfinder Rewards American Express® Card

Standard

Monthly Travel Spend

$750

Travel Earn Rate

3x points

Monthly Travel Points

2,250

Annual Travel Points Earned

27,000 points

PenFed Pathfinder Rewards American Express® Card

Honors Advantage

Monthly Travel Spend

$750

Travel Earn Rate

4x points

Monthly Travel Points

3,000

Annual Travel Points Earned

36,000 points

You will also earn 1.5x points on all purchases unrelated to travel.

Start your PenFed Pathfinder Rewards American Express® Card application now!

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

 

FREQUENTLY ASKED QUESTIONS

 

1. Do I need to be in the military to receive the 4x points on travel purchases?

2. I’ve reviewed the Pathfinder Rewards American Express® Card application, and it only states 3x points on travel purchases. Why doesn’t it reflect 4x points on travel purchases?

3. I’m not in the military and I opened an Access America Checking Account to receive the 4x points on travel purchases. What happens if I close my checking account?

4. Is there a timeframe in which I must open a checking account in order to receive the PenFed Honors Advantage 4x points on cash advances?

5. Can I earn the PenFed Honors Advantage 4x points on cash advances?

*Once you're approved for the PenFed Pathfinder Rewards American Express(R) Card, you can open a checking account (except a PenCheck Limited Account) and receive an additional 1x point on all travel purchases. You must be primary owner on both the credit card AND checking account to receive Honors Advantage bonus rewards. If no checking account is open at the time of the Pathfinder card application, the 1x point reward increase will be added within one business day of opening the checking account.

You must maintain the checking account in order to receive the 4x points on all travel purchases. If you close your checking account, then you’ll receive the standard 3x points on all travel purchases.

Refer to the PenFed Pathfinder Rewards American Express® Card Rewards Program Terms and Conditions