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
Points** on all Travel categories for PenFed Honors Advantage Membersƚƚ
Points** on all Travel categories
Points** on all other purchases
Introductory Balance Transfer APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. Read More
No Foreign Transaction Fees
Using your PenFed card abroad won’t cost you an extra dime.
Travel Benefits:
Enjoy $100 statement credit towards domestic air ancillary travel and Global Entry, $85 TSA pre-check statement credit, plus a complimentary priority pass airport lounge annual membership.
Access to Luxury Hotel Collection
Unleash the power of your Signature card and enjoy access to luxury hotels around the world. Browse the collection and take advantage of premium offers and discounts.
Cell phone protection
Protect your cell phone every time you pay your bill. When you pay your monthly wireless bill with your covered PenFed credit card, your cell phone is protected for the next calendar month. So, you can be reimbursed if your cell phone is stolen or damaged.
Auto Rental Collision Damage Waiver
Use your Pathfinder Visa Signature Card to rent a vehicle and automatically your protected for physical damage, theft, reasonable and customary towing and loss-of-use charges.
Trip Delay Reimbursement
If your trip gets delayed, this benefit covers up to a maximum of $300 per each purchased ticket for reasonable expenses incurred when delayed for more than 12 hours.
Complimentary concierge service
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.
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.
Security Alerts
Get notified via text, email, and phone if PenFed notices potential suspicious transactions on your account.
$0 Fraud Liability
If your card is lost or stolen, you will not be responsible for unauthorized charges. Click here to learn more.
Card Lock
Easily turn on or off your credit card in seconds to prevent fraudulent use with a few taps if it has been misplaced, lost, or stolen.
Autopay
Set up Autopay for your account and your payments will be made automatically every month.
PenFed Mobile App
Stay on top of your finances with the PenFed mobile app. Download the PenFed Mobile app.
Authorized User
Add an authorized user to your account and track spending by user. Learn more about authorized users.
Digital Wallet
More than just a plastic in your wallet, your card is digital wallet ready for secure mobile, online and in-app purchases. Learn how to set up your Digital Wallet.
24/7 Digital Service
Our online services are available to assist you 24 hours a day. Credit Card Contact Service.
Request Credit line Increase
You can always check or request if you are eligible for the credit line increase by signing at PenFed online.
Redeem your rewards your way
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.
Visit our reward catalog to see the great places your PenFed Rewards
can take you if you are planning a trip.
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!
PENFED HONORS ADVANTAGE
Earn more with Access America or Free Checking!
As a Checking account holder, you can earn 4x points on all travel purchases with a PenFed Pathfinder® Rewards Visa® Signature Card® card. Restrictions apply.ƚƚ
*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, cash-like transactions, credit card checks balance transfers, and account fees 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) and the Travel Credits (PDF) for detailed information.