Earn Rewards Everywhere You Go

PENFED PATHFINDER REWARDS AMERICAN EXPRESS® CARD

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

PRODUCT SNAPSHOT

Earn More, Everywhere You Go

Whether it’s a once in a lifetime getaway, or your daily commute, you deserve to earn more. However you get there, whatever you buy you’ll maximize your rewards everywhere you go.

You'll even earn great points for travel-related purchases and 1.5x Reward Points on all purchases unrelated to travel!

INTEREST & FEE INFORMATION »
CREDIT CARD AGREEMENT »

 

Earn 4x points with Honors Advantage

Qualify with an Access America Checking account or military service. LEARN MORE »

  • 3x Points** on all travel purchases  
  • 4x Points** on all travel purchases for PenFed Honors Advantage Membersƚƚ  
  • 25,000 Bonus Points Spend $2,500 within 3 months of opening an account  
  • 0% Promo APR On balance transfers for 12 months. 3% balance transfer fee. Subject to credit approval.  Read More
 
  • $100 Annual Air Travel Creditƚ Can be used for baggage fees, lounge access and onboard food and beverages
  • $100 TSA App. Fee Creditƚ Save up to $100 on TSA Application when using Card

PenFed Pathfinder Rewards American Express Balanace Transfer Terms

% APR promotional balance transfer rate for on transfers made between . After that, the APR for the unpaid balance and any new balance transfers will be % to % based on your creditworthiness and will vary with the market based on the Prime Rate. 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.

Summary of Terms - PDF

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

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases and Cash Advances % 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 % promotional balance transfer rate for on transfers made between . After that, the APR for the unpaid balance and any new balance transfers will be % to % based on your creditworthiness and will vary with the market based on the Prime Rate. 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.
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.
Cash Advance Fee 5% or minimum $5 per transaction

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

*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 lowest rate.

**Cash advances, credit card checks, and balance transfers are excluded from earning reward points. View pricing lists & cardholder agreements (PDF).

ƚRestrictions Apply. View Air Travel Credit Benefit and Trusted Traveler Program Benefit Terms & Conditions

ƚƚTo be eligible to participate in the Honors Advantage program, you must qualify through either: 1) Military service of either the primary or joint borrower or 2) Ownership of any existing open or newly established PenFed Credit Union checking account product, excluding PenCheck Limited accounts. Member must be primary owner on both credit card and checking account to receive bonus rewards.

Cardholders may sign up for free electronic statement notification to avoid paying a $1.00 fee for mailed paper statements.

The PenFed Pathfinder Rewards American Express® Card program is issued and administered by PenFed. Refer to PenFed Pathfinder Rewards American Express® Credit Card Benefits Information (PDF) for complete program rules, terms and conditions. American Express® is a federally registered Service mark of American Express® and is used by PenFed pursuant to a license.

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Additional Benefits

No extra enrollment needed to take advantage of Pathfinder Rewards

Automatic Enrollment into Pathfinder Rewards Program

Take advantage of our low rates

Rates as low as % APR variable on purchases and cash advances*

Help whenever you need it

Complimentary 24/7 concierge service

Simple to use

Easily add to your digital wallet

REWARDS

Earn rewards everywhere you go

Gift Card

Amazing travel and commuter rewards

Travel

1.5x points for everyday shopping

Shopping