Features available on all cards
Choose your perfect rewards card
Cash back on all purchases
Points on everyday spend
Get rewarded on all adventures
% cash back on all purchases for PenFed Honors Advantage Members
% cash back on all purchases
No annual fee
$ Bonus Statement Credit when you spend
in the first 90 days
Get a decision in as little as 20 seconds.
Bonus Points when you spend $
in the first 90 days
Points on all Travel categories for PenFed Honors Advantage Members
Earn over $ in travel perks
Complimentary Priority Pass airport lounge annual membership
Get a decision in as little as 20 seconds.
Points on gas paid at the pump and EV charging stations
Points at the supermarket (including most Target and Walmart locations), restaurants and TV, radio, cable, streaming services
No annual fee
15,000 Bonus Points when you spend $1,500 in first 90 days
Get a decision in as little as 20 seconds.
Everyday Low APR on purchases after introductory period ends
$1,000 maximum in annual cell phone protection when you pay your monthly wireless bill with your PenFed Card. Certain terms, conditions and exclusions apply. See details.
No annual fee
Zero fraud liability± for unauthorized transactions made on your card. Learn More.
Get a decision in as little as 20 seconds.
Credit Card Benefits
For more information on benefits, review these downloadable PDFs.
Signature® card benefits apply to credit lines $5,000 and above.
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Benefits |
Gold |
Power Cash |
Platinum |
Pathfinder |
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Traditional |
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Cell Phone Protection |
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Emergency Card Replacement & Cash Disbursement |
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Lost/Stolen Card Reporting |
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Roadside Dispatch |
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Travel Accident Insurance |
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Signature |
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Entertainment (access, upgrades, and savings) |
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Fine Wine and Food (access and savings) |
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Purchase Security |
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Shopping Discounts |
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Sports and Golf Benefits |
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Travel (offers and upgrades) |
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Travel and Emergency Assistance |
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Visa Signature Concierge |
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Year End Summary Statement |
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Travel Signature |
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Auto Rental Collision Damage Waiver |
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Baggage Delay Reimbursement |
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Lost Luggage Reimbursement |
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Trip Delay Reimbursement |
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Disclosures
±Visa Zero Liability Policy covers U.S.–issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa. Cardmembers must notify PenFed promptly of any unauthorized use.
+Pre-qualify is not an approval, and a full credit report is required to proceed with an application.