PenFed Gold Visa card

PENFED GOLD VISA® CARD

Apply Now

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

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 »

  • LOW APR ON ALL PURCHASES including cash advances  
  • NO ANNUAL FEE   
  • $100 Statement Creditƚ when you spend $1,500 in first 90 days   
  • 0% Promo APR On balance transfers for 12 months. 3% balance transfer fee. Subject to credit approval.  Read More
 
  • Favorable Fees No annual fees and no foreign transaction fees!
  • Enhanced Security EMV chip-enabled for added security

Balance Transfer Offer for PenFed Gold Visa® Cardholders

% APR promotional balance transfer rate for on transfers made between . After that, the APR for the unpaid balance and any new balance transfers will be % to % based on your creditworthiness 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.

Summary of Terms - PDF

Apply Now

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

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 between . After that, the APR for the unpaid balance and any new balance transfers will be % to % based on your creditworthiness 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.

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 approved and issued from will receive a $100 statement credit upon spending $1500 in purchase transactions within 3 months 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.

Additional Benefits

simple, no frills card

“Simple, no-frills” card, understand your fees and advantages

low rates

Low rates, PenFed is committed to great rates

easy to use

Easy to use, a perfect straightforward card for everyday use

safe and secure

Safe and secure employing the latest fraud-prevention technology