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How to Redeem Your Platinum Reward Points?
Redeem your rewards, your way...
PLATINUM REWARDS VISA® CARD
Rich rewards on everyday purchases!
- 5x points on gas paid at the pump & EV charging stations
- 3x points on groceries, restaurants, & streaming services
- 1x points on all other purchases
rewards calculator
How Many Reward Points Can You Earn?
Calculate Your Rewards
Your Point Rewards
ANNUAL REWARD POINTS
MONTHLY REWARD POINTS
Gift Card
Gift cards for shopping, dining, entertainment, and more. Check out our reward catalog for more options!
Travel
See all the great places your Platinum rewards can take you!
Shopping
Use your Platinum rewards to shop all your must-haves.
Additional Features and Benefits
Enhanced Security
24/7 Fraud Monitoring:
Your account is monitored for transactions that may indicate fraudulent activity, and we may contact you immediately if fraud is suspected.
Chip-enabled cards:
When used at a chip-enabled terminal, chip technology provides stronger security for your card information.
Secure Remote Commerce (SRC):
Shop online with the peace of mind that Visa uses advanced technologies and multiple layers of payment security to help protect your card against unauthorized use. Set-up your Visa SRC account today!
Tokenized account numbers in your mobile wallet:
Your name, account number, and security codes aren’t stored on your device so merchants never see your account information.
Discounts
Member Discounts
With your PenFed membership, you can enjoy discounts on a variety of home, auto, personal, retail, and financial products and services.
- You can get extra savings, special offers, and discounts on products and services just for being a member. Check out available offers today!
Visa Signature Discounts
Use your PenFed signature card to purchase the goods of services from the participating merchants and get a huge discount.
- Enjoy the discounts on a wide variety of offers and deals, including food and wine, shopping, sports, hotels, car rentals, entertainment, and more. Check out available offers today!
At Your Service, 24/7
Your PenFed signature card provides a complimentary concierge* service that can help you enjoy the things you love. Simply pick up the phone to call Visa Signature Concierge. We are available 24 hours a day, 365 days a year for your travel, dining, and entertainment needs.
Features available on all cards
Chip Security
Disclosures
±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. Cardholders must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit Visa Security | Securing the World's Payments.
Rewards are available only for new purchases made with the card: cash advances, checks drawn from the account, and balance transfers are excluded and do not earn credit toward rewards. Certain restrictions may apply. Visa® USA determines which transactions are classified as gas purchases paid at the pump, supermarket purchases, EV charging stations, restaurants and streaming services based on Merchant Category Codes. Military commissaries are supermarkets. Grocery/supermarket merchants sell a complete, full line of food merchandise for home consumption. Most of the food merchandise is perishable, and perishables must represent at least 45% of merchant's total monthly sales volume, measured in local currency. Fuel purchases for airplanes and boats receive 1 point per dollar spent. Your card account must be open and in good standing to earn rewards.
Cash advances, balance transfers and credit card checks are excluded from earning point rewards.
