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PenFed Gold Visa® Card
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Apply before becoming a member.

After your application, we’ll help you:

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

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

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

 

Our Lowest-Rate Card

Benefits of this gold card include low APR and low promotional balance transfer APR. Go for the gold today!

Annual Fee: $0

Purchase Variable APR*: % to %

LOW APR on all purchases

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

0%

Balance Transfers Promo 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 % to % when you open your account, based on your creditworthiness.* Your APR will vary with the market based on the Prime Rate.
APRs for Balance Transfers % promotional balance transfer rate for on transfers made . After that, the APR for the unpaid balance and any new balance transfers will be be a non-variable rate of %.
APR for Cash Advances %
Penalty APR and When It Applies % if your minimum payment is not received within 60 days, your entire account is subject to change to the non-variable penalty APR. The penalty APR will remain in place until you make three consecutive monthly payments on or before the due date.
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. Not all applicants will qualify for the lowest 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.

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.

 

Additional Features & 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

Features available on all cards

Disclosures Print Icon Print

±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.

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