PenFed Pathfinder® Rewards Visa Signature® Card

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

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

Earn more everywhere you go!


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 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 %.
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.

 *Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval.

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

^ 50,000 bonus points when you spend $3000 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.

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. 

ƚAccounts that are issued and approved will receive 50,000 bonus points upon spending $3000 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 $3000 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.


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
PenFed Pathfinder® Rewards Card | Credit Cards - PenFed

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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.



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

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Access America Checking earns you more!

As an Access America Checking account earn 4x points on all travel purchases with a PenFed Pathfinder® Rewards Visa® Signature Card® card.


To receive any advertised product, you must become a member of PenFed Credit Union which includes opening a $5 PenFed savings account.

±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