Compare Points Credit Cards
See how PenFed Platinum stands out among the rest when comparing credit cards for points rewards.
PenFed Platinum Rewards |
Citi Rewards+ |
US Bank Altitude Go |
Wells Fargo Autograph |
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Variable APR capped at |
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Yes* |
No
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No
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No
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Gas Rewards |
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5x Points** on gas paid at the pump and EV charging stations |
2x points |
2x points |
3x points |
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Grocery, Dining and Takeout Rewards |
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3x Points** at the supermarket and restaurants |
2x points on grocery, 1x points on dining and take out |
2x points on grocery, 4x points dining and take out |
1x points on grocery, 3x points on dining and take out |
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Streaming Rewards |
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3x Points** on TV, radio, cable, and streaming services |
1x points |
2x points |
3x points |
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Cell Phone Protection |
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Yes |
No |
No |
Yes |
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Limit to points earned in categories |
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No |
Yes |
Yes on 4x grocery/dining |
No |
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Intro Bonus |
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Yesƚ |
Yes |
Yes |
Yes |
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No Annual Fee |
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$0 |
$0 |
$0 |
$0 |
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Foreign Transaction Fees |
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None |
3% of each purchase transaction in US dollars |
3% of each foreign transaction |
None |
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Data sourced directly from each lender listed: Citi, US Bank, and Wells Fargo, and are current as of March 3, 2025.
Disclosure
*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.
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.