Gift Card
Consider our Digital - Get it Now Visa reward cards for same-day delivery, or choose from gift cards available at top brands for shopping, dining, and entertainment.
Get Rewarded on Everyday Purchases
Annual Fee: $0
Purchase Variable APR*: % to
%
Points** on gas paid at the pump and EV charging stations
Points** at the supermarket (including most Target and Walmart locations†), restaurants, and TV, radio, cable, streaming services
Points** on all other purchases
15,000 Bonus Pointsƚ when you spend $1,500 in first 90 days
Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. Read More
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.
Member Discounts
Visa Signature Discounts
Use your PenFed signature card to purchase the goods of services from the participating merchants and get a huge discount.
Your PenFed signature card provides a complimentary concierge* service that can help you enjoy the things you love. Simply pick up the phone to call Visa Signature Concierge. We are available 24 hours a day, 365 days a year for your travel, dining, and entertainment needs.
ANNUAL REWARD POINTS
MONTHLY REWARD POINTS
Unlimited points, no rotating categories, no minimums, and no expiration on points
Features available on all cards
Disclosures
*Rates are based on an evaluation of applicant credit and length of PenFed membership. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lower rate.
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 $1.00 fee for mailed paper statements.
Rate and offers current as of
and are subject to change. View pricing lists cardholder agreements.
**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 gas purchases paid at the pump and supermarket purchases based on Merchant Category Codes. Military commissaries are supermarkets. Fuel purchases for airplanes and boats receive 1 point per dollar spent. Your card account must be open and in good standing to earn rewards.
†The listed merchants are in no way affiliated with Pentagon Federal Credit Union, nor are the listed merchants considered sponsors or co-sponsors of the rewards program. All trademarks are the property of their respective owners.
±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.
ƚEligible accounts will receive a one-time 15,000 point bonus upon spending $1,500 in qualified purchase transactions within 90 days of account opening. Cash advances, credit card checks, and balance transfers do not qualify as purchase transactions. Please allow 4 weeks to receive the bonus point credit. Account must be open and in good standing to qualify.
Refer to the Program Rules, Terms and Conditions (PDF) and the Signature Program Benefits (PDF) for detailed information.