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Affinity Title

PenFed Platinum Rewards Visa Signature® Card

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

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penfed platinum rewards visa signature card

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

INTEREST & FEE INFORMATION

CARD AGREEMENT & PRICING

Get Rewarded on Everyday Purchases

Annual Fee: $

Purchase Variable APR*: %

5x

Points** on gas paid at the pump and EV charging stations

3x

Points** at the supermarket (including most Target and Walmart locations†), restaurants, and TV, radio, cable, streaming services

1x

Points** on all other purchases

15,000 Bonus Pointsƚ when you spend $1,500 in first 90 days

0%

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

Terms and Conditions

BALANCE TRANSFER OFFER FOR PENFED PLATINUM 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.

INTEREST RATES AND INTEREST CHARGES

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 %.
APR FOR CASH ADVANCES %
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.
ANNUAL FEE None
CASH ADVANCE FEE None
BALANCE TRANSFER FEE %

*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. 

**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.

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.

Additional Features and Benefits

No Fees

No Annual Fees:

  • You won't have to pay an annual fee to enjoy all the great features that come with your PenFed card.
 

No Foreign Transaction Fees: 

  • You won’t be charged extra for using your PenFed card outside of the U.S.
No 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

At Your Service, 24/7

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.

rewards calculator

How Many Reward Points Can You Earn?

Calculate Your Rewards

$500/mo
$1,500/mo
$1,500/mo

Your Point Rewards


ANNUAL REWARD POINTS


MONTHLY REWARD POINTS

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

Earn More Rewards
redeem Left

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

Grocery aisles to highway miles, reward points everywhere!

Unlimited points, no rotating categories, no minimums, and no expiration on points

Shop everywhere with Platinum and enjoy the discount like you never did before

Fill your gas tank and get 5x point for every dollar you spend at the pump

Explore travel with Platinum rewards and enjoy great perks on travel

Buy tickets and enjoy bonus rewards for entertainment spending

Enjoy sport-related perks and rewards with Platinum

Features available on all cards

Click to Pay

 Chip Security

Zero Liability Policy±

Tap to Pay

Digital Wallet

Disclosures

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 http://www.visa.com/security.

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