Features available on all cards
Get started on this year’s home improvement projects with 0% APR for 12 months.*
*To be eligible for the 0% purchase APR, purchases must be made between April 1 and April 30, 2022 in merchant codes categorized as home improvement or hardware stores (5200, 5251, 5261, 5211, 5074, 5039, 5231, 5198, 5713, 5718). Merchant category codes (MCC) are designated by the payment card network. PenFed is not responsible for MCCs. The 0% promotional APR will remain on your account for 12 billing cycles. At the end of the promotional period, the APR for the outstanding purchase balance will return to your standard APR for Purchases, which will vary with the market based on Prime Rate.