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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
INTEREST RATES AND INTEREST CHARGES
| ANNUAL PERCENTAGE RATE (APR) FOR PURCHASES | |
|---|---|
| APRS FOR BALANCE TRANSFERS | |
| APR FOR CASH ADVANCES | |
| PENALTY APR AND WHEN IT APPLIES | |
| 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.
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.
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
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!
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
Your Point Rewards
ANNUAL REWARD POINTS
MONTHLY REWARD POINTS
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!
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.