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Affinity Title

PenFed Power Cash Rewards Visa Signature® Card

CALCULATE

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

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PenFed Power Cash Rewards VISA Signature Card

If you're not a member, see if you prequalify before you submit an application with no risk to your credit score.

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

INTEREST AND FEE INFORMATION

CARD AGREEMENT & PRICING


Earn Cash Back for Everyday Purchases

No Caps. No Limits. No Gimmicks.

Annual Fee: $

Purchase Variable APR*: %

2%

Cash Back** on all purchases for PenFed Honors Advantage Membersƚƚ

1.5%

Cash Back** on all purchases made with your card

$ Bonus Offer Statement Creditƚ When you spend in the first 90 days

0%

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

Calculate Balance Transfer

Compare how we stack up against the rest

Terms and Conditions

Balance Transfer Offer for Power Cash® 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.

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

Concierge

Your PenFed Visa Signature credit card provides a complimentary concierge service that can help you enjoy the things you love. Visa’s concierge service is available 24 hours a day, 365 days a year for your travel, dining, and entertainment needs. To learn more, visit Visa Signature Concierge.

rewards calculator

How Much Cash Back Can I Earn?

Calculate Your Rewards

$3000/mo

Your Cash Rewards


ANNUAL REWARDS


MONTHLY REWARDS

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

Get A Great Credit Card

How to redeem your Power Cash Rewards?

Redeem your rewards, your way...

Click to Pay Icon

Statement Credit

Apply directly to your PenFed Credit Card account.

EMV Chip Technology Icon

Deposit into PenFed Account

Add your cash rewards into your PenFed Checking or Share account.

EMV Chip Technology Icon

Transfer to another Financial Institution

Schedule monthly redemptions into the account of your choice.

Cash back on everything, everywhere, every day!

No rotating categories, no minimums, no expiration dates, and no gimmicks

Right card for your streaming service subscriptions

Load your card to your digital wallets

Use your card for bill pay and recurring payments

Great card for everyday purchases including online shopping, dining, and drug stores

Use your card for major home improvements and auto repairs

Features available on all cards

Click to Pay

 Chip Security

Zero Liability Policy±

Tap to Pay

Digital Wallet

deposits power cash 2percent cashback

PENFED HONORS ADVANTAGE

Earn more with Access America or Free Checking!

As a Checking account holder, you can earn 2% cash back on everything you purchase with a PenFed Power Cash Rewards Visa Signature® card. Restrictions apply.ƚƚ

Learn More

Disclosures

*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. 

**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 or Free Checking account with PenFed. Members with a qualifying Free Checking account must also 1) maintain a minimum $500 daily balance OR 2) set up monthly direct deposits of $500 or more in order to maintain Honors Advantage Eligibility. A minimum balance or direct deposit is not required to maintain a Free Checking account.

Refer to the Program Rules, Terms and Conditions (PDF) and the Signature Program Benefits (PDF) for detailed information.

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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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