2% CASH BACK on all purchases for PenFed Honors Advantage Members

1.5% CASH BACK on all purchases

$100 Bonus Statement Credit when you spend $1,500 in the first 90 days

Annual Fee: $0

Purchase Variable APR: 14.99% to 17.99%

0% PROMO APR on balance transfers for 12 months , after that a non-variable APR of %, 3% fee applies to each transaction. Subject to credit approval.

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

Get a decision in as little as 20 seconds.

Good/Excellent Credit

LOW APR on purchases

0% APR‡ on balance transfers for 12 months

$100 Bonus Statement Credit when you spend $1,500 in the first 90 days

Annual Fee: $0

Purchase Variable APR: 7.49% to 17.99%

0% PROMO APR on balance transfers for 12 months , after that a non-variable APR of %, 3% fee applies to each transaction. Subject to credit approval.

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

Get a decision in as little as 20 seconds.

Good/Excellent Credit
Credit card
NEW OFFER
5x

Points on gas paid at the pump and EV charging stations

3x

Points at the supermarket (including most Target and Walmart locations), restaurants and TV, radio, cable, streaming services

1x

Points on all other purchases

15,000 Bonus Points when you spend $1,500 in first 90 days

Annual Fee: $0

Purchase Variable APR: 13.49% to 17.99%

0% PROMO APR on balance transfers for 12 months , after that a non-variable APR of %, 3% fee applies to each transaction. Subject to credit approval.

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

Get a decision in as little as 20 seconds.

Good/Excellent Credit

50,000 Bonus Points when you spend $3000 in the first 90 days

4x

Points on all Travel categories for PenFed Honors Advantage Members

3x

Points on all Travel categories

1.5x

Points on all other purchases

Annual Fee: $95

(waived for existing Honors Advantage Members)

Purchase Variable APR: 14.99% to 17.99%

0% PROMO APR on balance transfers for 12 months , after that a non-variable APR of %, 3% fee applies to each transaction. Subject to credit approval.

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

Get a decision in as little as 20 seconds.

Good/Excellent Credit

Credit Card Benefits

Every PenFed card comes with peace of mind and privileges.

Benefits Gold Power Cash Platinum Pathfinder
Emergency Card Replacement & Cash Disbursement
Entertainment (access, upgrades and savings)
Fine Wine and Food (access and savings)
Lost/Stolen Card Reporting
Purchase Security
Roadside Dispatch
Shopping Discounts
Sport and Golf Benefits
Travel (offers and upgrades)
Travel Accident Insurance
Travel and Emergency Assistance Service
Visa Signature Concierge
Travel and Emergency Assistance Service
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REWARDS REDEMPTION CENTER

Live the life the way you want and still get rewarded! Earn and redeem your points or cash back.

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CARD RESOURCE CENTER

Forms and Disclosures

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Debt Protection

Life is unpredictable. With PenFed Debt Protection, your family's financial security is protected in the event you're unable to make timely payments.

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Disclosures Print Icon Print

As a PenFed Pathfinder® Rewards cardholder, if you qualify for Honors Advantage (member of the military or Access America account holder) at the time of the application, we will waive the annual fee on your account. If you were not eligible at account opening, but subsequently become eligible, the annual fee will be waived on your next anniversary. If at any time, you fail to meet the eligibility requirement, you will no longer be eligible for the waiver. You will receive advance notice of this change.

±Visa Zero Liability Policy covers U.S.–issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.

1Traditional card benefits apply to credit lines below $5,000 and the Signature® card benefits apply to credit lines $5,000 and above.

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.

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