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$100Statement Creditƚwhen you spend $1,500 in first 90 days
0%Promo APROn balance transfers for 12 months. 3% balance transfer fee. Subject to credit approval. Read More
Favorable FeesNo annual fees and no foreign transaction fees!
Enhanced SecurityEMV chip-enabled for added security
Balance Transfer Offer for PenFed Gold Visa® Cardholders
% APR promotional balance transfer rate for on transfers made . After that, the APR for the unpaid balance and any new balance transfers will be % to % based on your creditworthiness, which includes an evaluation of your credit history and the length of your PenFed membership and will vary with the market based on the Prime Rate. 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.
1. Discover you’re eligible to become a PenFed member
2. Open a Savings/Share Account and deposit at least $5
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases and Cash Advances
% 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 % to % based on your creditworthiness, which includes an evaluation of your credit history and the length of your PenFed membership and will vary with the market based on the Prime Rate. 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.
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.
*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.
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.
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PenFed Gold
Visa® Card
PRODUCT SNAPSHOT
Our Lowest-Rate Card
Benefits of this gold card include low APR and low promotional balance transfer APR. Go for the gold today!
INTEREST & FEE INFORMATION »
CREDIT CARD AGREEMENT »
Balance Transfer Offer for PenFed Gold Visa® Cardholders
Summary of Terms - PDF
*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![]( "Rate Month")
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 Benefits
“Simple, no-frills” card, understand your fees and advantages
Low rates, PenFed is committed to great rates
Easy to use, a perfect straightforward card for everyday use
Safe and secure employing the latest fraud-prevention technology
Resource Center
Card Security Center