The Ultimate Card for the Ultimate Fan

Support your favorite esports team while earning cash back on every purchase and receive exclusive VIP cardholder perks!

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

Earn rewards for supporting your favorite team


2% Cash Back** on all purchases for PenFed Honors Advantage Membersƚƚ.

1.5% Cash Back**
on all purchases made with your card.

$ Statement Creditƚ when you spend in the first 90 days.

0% Introductory APR for 12 months on balance transfers made in the first days after account opening, 3% fee applies to each transaction. Subject to credit approval.Read More


Purchase Variable APR*: %


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

Unlock exclusive cardholder only rewards


VIP Perks at in-person Washington Justice events during the 2022 season.

Quarterly Virtual Events and updates from the team.

20% Merchandise Discount on merchandise purchased in-person at the Washington Justice practice facility (excluding jerseys).

Additional Card Benefits

Card Features

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. 

Redeem Your Rewards

Statement Credit

Apply directly to your PenFed Credit Card account.

Deposit into PenFed Account

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

Transfer to another Financial Institution

Schedule monthly redemptions into the account of your choice.


*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 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 notification to avoid paying a $ fee for mailed paper statements.

Rate and offers current as of and are subject to change. View pricing lists cardholder agreements.

**Cash advances, credit card checks, and balance transfers are excluded from earning cash rewards.

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.