Earn Cash Back for Everyday Purchase
No Caps. No Limits. No Gimmicks.
Annual Fee: $0
Purchase Variable APR*: % to %
Cash Back** on all purchases for PenFed Honors Advantage Membersƚƚ
Cash Back** on all purchases made with your card
$100 Bonus Offer Statement Creditƚ When you spend $1,500 in the first 90 days
Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. Read More
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.
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.
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
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 deal, 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.
How Much Cash Back Can I Earn?
Calculate Your Rewards
Your Cash Rewards
How to redeem your Power Cash Rewards?
Redeem your rewards, your way...
Apply directly to your PenFed Credit Card account.
Deposit into PenFed Account
Add your cash rewards into your PenFed Checking or Share account.
Transfer to another Financial Institution
Schedule monthly redemptions into the account of your choice.
No rotating categories, no minimums, no expiration dates, and no gimmicks
PENFED HONORS ADVANTAGE
Access America Checking earns you more!
As an Access America Checking account holder, you can earn 2% cash back on everything you purchase with a PenFed Power Cash Rewards Visa Signature® card.
*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.
**Cash advances, credit card checks, and balance transfers are excluded from earning cash rewards.
±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.
ƚAccounts that are issued and approved will receive a $100 statement credit upon spending $1500 in purchase transactions within 90 days of account opening. Cash advances, credit card checks, and balance transfers do not qualify as purchase transactions. Each account is eligible for 1 statement credit of $100. Please allow 4 weeks after spending $1500 to receive the statement credit.
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 account with PenFed.