Features available on all cards
Platinum Rewards Visa® Card
Rich rewards on everyday purchases!
x points on gas & EV charging stations
x points on groceries, dining & streaming
x points on all other purchases
Make the most of your rewards with e-Gift cards
Redeem your rewards the PenFed way:
Fast – get same day delivery with your e-gift cards
Safe – you can be sure your e-gift cards are safe in your inbox and can’t be easily lost or stolen
Easy – it only takes a few simple steps to redeem
Rewards Calculator
How Many Reward Points Can You Earn?
Calculate Your Rewards
Your Point Rewards
ANNUAL REWARD POINTS
MONTHLY REWARD POINTS
Enjoy the flexibility of your reward points
Gift Card
Consider our Digital - Get in Now Visa® reward cards for same-day delivery, or choose from gift cards available at top brands forshopping, dining, and entertainment.
Travel
Visit our reward catalog to see the great places your PenFed Rewards can take you if you are planning a trip.
Shopping
Shop for electronics, children’s items, sporting goods, fashion and beauty, food and wine, household items, luggage, office supplies and so much more!
Make the most of your rewards with gift cards! Find the perfect gift with over 300 gift card brands to choose from. Digital and physical delivery available.
Other reward options include:
E-gift Cards | Experiences | Apple Store | Charity
Log onto PenFed.org to start redeeming today!
Explore cardholder benefits
Cell Phone Protection
Protect your cell phone against theft and damage for the next calendar month by paying your monthly wireless bill with your PenFed credit card.
Exclusive Offers & Discounts
Enjoy member-only discounts on a variety of products and services as well as special savings and benefits exclusive to Visa Signature. Check out offers and deals on food and wine, shopping, sports, hotels, car rentals, entertainment, and more.
Access to Luxury Hotel Collection
Unleash the power of your Signature card — enjoy access to premium offers and discounts on luxury hotels around the world.
No Foreign Transaction Fees
Using your PenFed card abroad won’t cost you an extra dime.
Travel Accident Coverage
When you purchase your travel ticket with your PenFed credit card, you are eligible for accident coverage of up to $250,000. Refer to your Visa Signature card® benefits (PDF).
Complimentary Concierge Service
Visa’s concierge service is available 24 hours a day, 365 days a year for your travel, dining, and entertainment needs. To learn more, visit Visa Signature Concierge.
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.
Security Alerts
Get notified via text, email, and phone if PenFed notices potential suspicious transactions on your account.
$0 Fraud Liability±
If your card is lost or stolen, you will not be responsible for unauthorized charges. Learn more.
Card Lock
Instantly lock your misplaced, lost, or stolen card with a single click to stop fraud.
AutoPay
Set up AutoPay for your account, and your payments will be made automatically every month.
PenFed Mobile App
Stay on top of your finances with personalized alerts and real-time updates. Download the PenFed Mobile app.
Authorized User
Share your card benefits by adding an authorized user. Learn more.
Digital Wallet
More than just a plastic in your wallet, your card is digital wallet ready for secure mobile, online and in-app purchases. Learn how to set up your Digital Wallet.
24/7 Digital Service
Our online services are available to assist you 24 hours a day. Credit Card Contact Center.
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.
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.