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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

Credit card

Everyday Low APR on purchases after introductory period ends

Introductory APR on purchases^ made the first months after account opening

Annual Fee: $

Purchase Variable APR: % to %

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

Not a problem, anyone can join. Apply now and we'll create your membership during this application.



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 %.
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.

 *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.

Are you a veteran or family to a veteran?

Our partnership with 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

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