peron using mobile phone

Apple Pay™

Add your PenFed cards to your eligible Apple® device for quick and secure in-store, in-app, or online purchases.

Your PenFed Card & Apple Pay™ will change the way you pay

With Apple Pay, you can easily make purchases at participating merchants with virtual cards on your compatible iPhone, Apple Watch, Mac, or iPad. While Apple Pay offers an exciting way to make purchases on the go, you still get all the rewards, benefits, and protections your card provides. For more details, review the terms and conditions.

Pay with a single touch

Use Apple Pay and your favorite PenFed cards to pay the easy, secure, and private way. Use your PenFed card at hundreds of thousands of stores and in participating apps with Apple Pay.

See a complete list of Apple pay merchants at

Secure way to pay

Rest easy. Apple Pay transactions are authorized with Touch ID thumbprint security, Face ID, or your passcode, and transactions never use your card number.

It’s a snap to get started

Enrolling is a snap! Let’s get started…

  1. Open the Wallet app on your Apple device.

  2.  Take a picture of your PenFed card or manually enter the card information.

  3. Complete the verification process (if prompted). And . . .  done! 
Your PenFed card is now enrolled!

See detailed setup and use instructions


Apple Pay is a contactless digital payment solution available on certain Apple iOS devices, which allows you to add your PenFed credit or debit card to the Wallet® app on your device to make purchases at retailers in store and online.

Look for these symbols at checkout in-store or online to pay using Apple Pay.

You must have a compatible Apple device with biometric identification such as Face ID or Touch ID. For more information on compatible devices go to Apple Pay Support.

All PenFed debit and credit cards are eligible to be used with Apple Pay. Using your compatible Apple device, open the Wallet app, tap the button, select “Debit or Credit Card” and follow the on-screen instructions.

Yes, there is no charge to use Apple Pay; however, an active mobile data plan is required and depending on your data plan, message and data rates may apply.

Yes, when using Apple Pay, your PenFed card number isn't stored on your phone or given to the merchant. The merchant never receives or transmits your actual card number. Apple Pay replaces your real card number with a unique digital card number or digital account number (token) as a substitute that is used to make purchases in-store and online.

Yes, you can load up to eight cards to Apple Pay.

Yes, you’ll still get all the benefits and protections that your credit or debit card provides. If you currently earn rewards on purchases, you’ll continue to earn them for purchases made with Apple Pay.

If your device is lost or stolen there a few easy steps you can take right away. You can lock your card anytime within PenFed Online. Log in to your PenFed online account, click your PenFed credit card account, and under the card image click the button to lock your card and prevent payments from being made. You can lock and unlock your card anytime.

Additionally, you can follow the Apple Support lost/stolen steps to protect your data.

Purchases made with your PenFed credit or debit cards have Visa’s Zero-Liability± Protection for any unauthorized card transactions. This means that you will not pay for any unauthorized transactions.


±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