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Affinity Title

PenFed Pathfinder® Rewards Visa Signature® Card

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

  1. Home
  2. Credit Cards
  3. Pathfinder
Pathfinder credit card  image

If you're not a member, see if you prequalify before you submit an application with no risk to your credit score.

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

INTEREST & FEE INFORMATION

CARD AGREEMENT & PRICING


Earn more everywhere you go!

Annual Fee: $ (waived for existing PenFed Honors Advantage Membersƚƚ)***

Purchase Variable APR*: %

Up to $^ total Travel value

Bonus Pointsƚ when you spend $ in the first 90 days

4x

Points** on all Travel categories for PenFed Honors Advantage Membersƚƚ

3X

Points** on all Travel categories

1.5X

Points** on all other purchases

0%

Introductory Balance Transfer APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. Read More

Calculate Balance Transfer

Terms and Conditions

Balance Transfer Offer for Pathfinder® Rewards Visa Signature® Cardholders

% introductory APR for 12 months 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.

Additional Features and Benefits

Travel Benefits

Added Value and Perks:

  • $100 ANNUAL domestic air ancillary travel statement credit

  • $100 Global Entry or $85 TSA Pre-check statement credit

  • Complimentary Priority Pass Airport Lounge Annual Membership

 

No Foreign Transaction Fees: 

  • You won’t be charged extra for using your PenFed card outside of the U.S.
Favorable Fees

Enhanced Security

24/7 Fraud Monitoring:

  • Your account is monitored for transactions that may indicate fraudulent activity, and we may contact you immediately if fraud is suspected.

 

Chip-enabled cards:

  • When used at a chip-enabled terminal, chip technology provides stronger security for your card information.

 

Secure Remote Commerce (SRC):

  • Shop online with the peace of mind that Visa uses advanced technologies and multiple layers of payment security to help protect your card against unauthorized use. Set-up your Visa SRC account today!

 

Tokenized account numbers in your mobile wallet:

  • Your name, account number, and security codes aren’t stored on your device so merchants never see your account information.

debit card

Transfer a Balance

Increase your financial freedom by taking advantage of our competitive balance transfer offers. Use your balance transfer to:

  • Consolidate debt and lower your interest rates

  • Pay down higher-rate cards

  • Reduce your monthly payments

  • Cover unexpected expenses

overdraft

Discounts

Member Discounts
With your PenFed membership, you can enjoy discounts on a variety of home, auto, personal, retail, and financial products and services.
  • You can get extra savings, special offers, and discounts on products and services just for being a member. Check out available offers today!
 

Visa Signature Discounts
Use your PenFed signature card to purchase the goods of services from the participating merchants and get a huge discount.

  • Enjoy the discounts on a wide variety of offers and deals, including food and wine, shopping, sports, hotels, car rentals, entertainment, and more. Check out available offers today!
lapto and cell

Concierge

Your PenFed Visa Signature credit card provides a complimentary concierge service that can help you enjoy the things you love. Visa’s concierge service is available 24 hours a day, 365 days a year for your travel, dining, and entertainment needs. To learn more, visit Visa Signature Concierge.

PenFed Pathfinder® Rewards Card | Credit Cards - PenFed

Earn Points and Redeem with Ease

 

Redeem your rewards your way

 

Gift Card

Consider our Digital - Get in Now Visa® reward cards for same-day

delivery, or choose from gift cards available at top brands for

shopping, dining, and entertainment.

 

Travel

Visit our reward catalog to see the great places your PenFed Rewards

can take you if you are planning a trip.

 

Shopping

Shop for electronics, children’s items,  sporting goods, fashion and

beauty, food and wine, household items, luggage, office supplies and

so much more!

Make the most of your rewards with gift cards! Find the perfect gift

with over 300 gift card brands to choose from. Digital and physical

delivery available. 

 

Other reward options include:

E-Gift Cards | Experiences | Apple Store | Charity

Log onto PenFed.org to start redeeming today!

Learn More

Get Started

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All of life's journeys should be this rewarding.

Earn rewards on ALL travel purchases - including flights, hotels, transportation & more!

Upload your Pathfinder to your digital wallet to make purchases right from your smart phone.

Use your contactless card to make fast, safe, and secure payments. Simply tap-to-pay.

Book flights with your Pathfinder card to earn accelerated rewards on airfare.

Earn points when you use your card for all travel purchases.

Earn rewards on all other purchases including dining & entertainment.

Features available on all cards

Click to Pay

 Chip Security

Zero Liability Policy±

Tap to Pay

Digital Wallet

PENFED HONORS ADVANTAGE 

Access America Checking earns you more!

As an Access America Checking account earn points on all travel purchases with a PenFed Pathfinder® Rewards Visa® Signature Card® card.

Learn More

Disclosures

*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. 

**Cash advances, credit card checks, and balance transfers are excluded from earning rewards.

^ bonus points when you spend $ in purchase transactions in the first 90 days- up to $500 in value. Your points will vary in value based on redemptions but will always be valued at a minimum of $0.0085. Some point redemptions will be worth up to $0.01. Plus, $100 annual domestic air ancillary travel statement credit, $100 global entry or $85 TSA pre-check statement credit, and complimentary priority pass airport lounge annual membership, a $99 value.

***As a PenFed Pathfinder® Rewards cardholder, if you qualify for Honors Advantage (member of the military or Access America or Free Checking 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 maintain the eligibility requirements, 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 http://www.visa.com/security.

ƚAccounts that are issued and approved will receive bonus points upon spending $ in purchase transactions within 90 days of account opening. Each account is eligible for 1 bonus at account opening. Please allow 4 weeks after spending $ to receive the bonus. Rewards are available only for new purchases made with the card: cash advances, checks drawn from the account, and balance transfers are excluded and do not earn credit toward rewards. Certain restrictions may apply. Visa® USA determines which transactions are classified as travel purchases based on Merchant Category Codes. Your card account must be open and in good standing to earn rewards.

ƚƚTo qualify for the PenFed Honors Advantage Program you must 1) be in an active military service status, a member of the Reserves or National Guard, an honorably discharged U.S. Military Veteran or retired from such service OR 2) the member must be the primary owner on both the credit card and checking accounts of any existing open PenFed product, excluding PenCheck Limited accounts, or open a new Access America Checking or Free Checking account with PenFed. Members with a qualifying Free Checking account must also 1) maintain a minimum $500 daily balance OR 2) set up monthly direct deposits of $500 or more in order to maintain Honors Advantage Eligibility. A minimum balance or direct deposit is not required to maintain a Free Checking account.

Refer to the Program Rules, Terms and Conditions (PDF), Travel Credits (PDF) and the Travel Signature Program Benefits (PDF) for detailed information.

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This credit union is federally insured by the National Credit Union Administration. Rates are current as of October 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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