Pentagon Federal Credit Union
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Affinity Title

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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: %

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.

Terms and Conditions

Get a decision in as little as 20 seconds.

Credit Level Guidelines

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.

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.

INTEREST RATES AND INTEREST 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 $ 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 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 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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This credit union is federally insured by the National Credit Union Administration. Rates are current as of September 2023 unless otherwise noted and are subject to change.

APY = Annual Percentage Yield
APR = Annual Percentage Rate


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Routing #256078446

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IMPORTANT NOTICE

You are leaving PenFed.org and entering a third party Website that is not a part of Pentagon Federal Credit Union.


The content you are about to view is produced by a third party unaffiliated to Pentagon Federal Credit Union. PenFed takes no responsibility for the content of the page.


IMPORTANT NOTICE

You are leaving PenFed.org and entering a third party site. PenFed Realty, LLC is wholly owned by PenFed and this referral may provide PenFed a financial or other benefit.


For more information about the relationship between PenFed and PenFed Realty, LLC, see the Affiliate Business Arrangement Disclosure.


IMPORTANT NOTICE

You are leaving PenFed.org and entering a third party Website.


The content you are about to view is produced by a third party website that is unaffiliated to Pentagon Federal Credit Union. PenFed takes no responsibility for the content of the page.


IMPORTANT NOTICE

You are leaving PenFed.org and entering a third party site. PenFed Title, LLC is wholly owned by PenFed and this referral may provide PenFed a financial or other benefit.


For more information about the relationship between PenFed and PenFed Title, LLC, see the Affiliate Business Arrangement Disclosure.


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