PENFED POWER CASH REWARDS® VISA® CARD
Meet your new favorite card!
% cash back1 for Honors Advantage members2
% cash back1 for all other members
Ready to get rewarded?
Maximize your rewards with our PenFed Power Cash Rewards® Visa® Card.
Redeem
Receive your rewards as a credit on your card.
Deposit
Send your rewards to your PenFed checking or share account.
Get Gift Cards
Redeem your cash for a gift card.
Redeem
Receive your rewards as a credit on your card.
Deposit
Send your rewards to your PenFed checking or share account.
Get Gift Cards
Redeem your cash for a gift card.
Rewards Calculator
See how your everyday purchases can add up to big rewards.
Calculate Your Rewards
If you have a checking account or you're in the military you can qualify for % cashback as a PenFed Honors Advantage Members.
Your Monthly Cash Rewards
% For Honors Advantage Members
% For traditional accounts
Annual Cash Back Rewards
Benefits
Cash rewards never expire
Unlimited cash back
Calculations are for example only, not a credit offer and accuracy is not guaranteed.
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
Use your PenFed credit card worldwide without any additional fees.
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.
Your PenFed credit card is packed with smart features
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.
1Cash advances, credit card checks, and balance transfers are excluded from earning cash rewards.
2To qualify for the PenFed Honors Advantage Program you must 1) be in an active military service status, a member of the Reserves or National Guard, an honorably discharged U.S. Military Veteran or retired from such service OR 2) the member must be the primary owner on both the credit card and checking accounts of any existing open PenFed product, excluding PenCheck Limited accounts, or open a new Access America Checking or Free Checking account with PenFed. Members with a qualifying Free Checking account must also 1) maintain a minimum $500 daily balance OR 2) set up monthly direct deposits of $500 or more in order to maintain Honors Advantage Eligibility. A minimum balance or direct deposit is not required to maintain a Free Checking account.