Visa Gold Card

Apply for a PenFed Gold Visa Card for an exclusive purchase and balance transfer offer.
This low-rate card can help with anything from relocation expenses to medical bills.

PenFed Gold Visa® Card

Everyday Low APR on purchases after introductory period ends

Introductory APR on purchases^ made the first Gold Promo Purchase Month months after account opening

Annual Fee: $ No Annual Fee

Purchase Variable APR: Gold Card Rate High %

0% Introductory Balance Transfer APR for BT Promo Date , BalTransFee % fee applies to each transaction. Subject to credit approval. Read More

Terms and Conditions

Get a decision in as little as 20 seconds.

Interest rates and charges

Annual Percentage Rate (APR) for purchases	% 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.
Annual fee	None
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.

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 $ CC mailed paper statement fee fee for mailed paper statements.

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

Are you a veteran or family to a veteran?

Our partnership with Navigator.vet gives you access to benefits, family resources, and opportunities that have been earned by those who served.

Learn More:

Get 100% financing⁺on a new condo
Transfer GI Bill unused education credits to spouse, children, and grandchildren
Get a VA Health Benefit Card
Receive a caregivers allowance for a spouse or child
Get veteran designation on a driver’s license or state-issued ID

Learn More

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PenFed Gold Visa® Card

Terms and Conditions

Interest rates and charges

Are you a veteran or family to a veteran?

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