Features available on all cards
Rich rewards on everyday purchases!
x points on gas & EV charging stations
x points on groceries, dining & streaming
x points on all other purchases
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
ANNUAL REWARD POINTS
MONTHLY REWARD POINTS
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.
Visit our reward catalog to see the great places your PenFed Rewards can take you if you are planning a trip.
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!
No Annual Fees:
No Foreign Transaction Fees:
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.
Increase your financial freedom by taking advantage of our competitive balance transfer offers. Use your balance transfer to:
Consolidate debt and lower your interest rates
Pay down higher-rate cards
Reduce your monthly payments
Cover unexpected expenses
Member Discounts
Visa Signature Discounts
Use your PenFed signature card to purchase the goods of services from the participating merchants and get a huge discount.
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
±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.