Get your Gold today.

  • No annual fee
  • Low APR on all purchases

PenFed Gold Visa® Card

Credit card

LOW APR on all purchases

$100 Bonus Statement Creditƚ when you spend $1,500 in the first 90 days

Annual Fee: $0

Purchase Variable APR*: 7.49% to 17.99%

0% Balance Transfers Promo APR for , 3% fee applies to each transaction. Subject to credit approval. Read More 

Apply before becoming a member.

After your application, we’ll help you:

1. Discover you’re eligible to become a PenFed member

2. Open a Savings/Share Account and deposit at least $5

Get a decision in as little as 20 seconds.

Click to Pay

Add your PenFed credit card for easy, smart, and secure online checkouts.

Contactless Payments

Contactless payments allow you to tap to pay with your contactless-enabled PenFed card.

Digital Wallet

Add your card to your digital wallet and enjoy easy, quick, and secure mobile payments.


 *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 notifications 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.

 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.

Refer to the Traditional Program Benefits Guide (PDF) for detailed information.

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