Pentagon Federal Credit Union
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  1. Home
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Make the most of your Gold Card

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$1,000 maximum in annual cell phone protection1 when you pay your monthly wireless bill with your PenFed card

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Visa Zero Fraud Liability± if your card is lost or stolen

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Pay automatically: Set up monthly autopay and never miss a payment

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Gold benefits

24/7 pay per use roadside assistance for lockouts, towing, and more

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Emergency card replacement and cash disbursement

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Digital wallet ready for mobile, online and in-app purchases

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Disclosures

1Certain terms, conditions and exclusions apply. In order for coverage to apply, you must pay your monthly eligible cellular wireless bill with your PenFed debit or credit card. Your cell phone is protected for the next calendar month. You can be reimbursed up to $500 if your cell phone is stolen or damaged. A $50 deductible applies. Please refer to your Credit Card Guide to Benefits and Debit Card Guide (PDF) to Benefits for further details.

±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.

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This credit union is federally insured by the National Credit Union Administration. Rates are current as of April 2026 unless otherwise noted and are subject to change.

APY = Annual Percentage Yield
APR = Annual Percentage Rate


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Routing #256078446

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