
Earn more everywhere you go!
Annual Fee: $95 (waived for existing PenFed Honors Advantage Membersƚƚ)***
Purchase Variable APR*: % to
%
Up to $799^ total Travel value
50,000 Bonus Pointsƚ when you spend $3000 in the first 90 days
Points** on all Travel categories for PenFed Honors Advantage Membersƚƚ
Points** on all Travel categories
Points** on all other purchases
Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. Read More
Additional Features and Benefits
Travel Benefits
Added Value and Perks:
$100 ANNUAL domestic air ancillary travel statement credit
$100 Global Entry or $85 TSA Pre-check statement credit
Complimentary Priority Pass Airport Lounge Annual Membership
No Foreign Transaction Fees:
- You won’t be charged extra for using your PenFed card outside of the U.S.

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
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.

How to Redeem Your Pathfinder Reward Points?
Redeem your rewards, your way...
Gift Card
Gift cards for shopping, dining and entertainment, and more. check out our reward catalog for more options!
Travel
Visit our reward catalog to see the great places your PenFed Rewards can take you if you are planning a trip.
Shopping
Shopping - with reward points. From electronics to kitchen must-haves, sporting goods, household items and so much more!
All of life's journeys should be this rewarding.
Earn rewards on ALL travel purchases - including flights, hotels, transportation & more!
Upload your Pathfinder to your digital wallet to make purchases right from your smart phone.
Use your contactless card to make fast, safe, and secure payments. Simply tap-to-pay.
Book flights with your Pathfinder card to earn accelerated rewards on airfare.
Earn points when you use your card for all travel purchases.
Earn rewards on all other purchases including dining & entertainment.
Features available on all cards

PENFED HONORS ADVANTAGE
Access America Checking earns you more!
As an Access America Checking account earn 4x points on all travel purchases with a PenFed Pathfinder® Rewards Visa® Signature Card® card.
Disclosures
*Rates are based on an evaluation of applicant credit and length of PenFed membership. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lower rate.
Credit card applications completed online will require your agreement to receive application notifications and disclosures electronically.
Cardholders may sign up for free electronic statement notification to avoid paying a $1.00 fee for mailed paper statements.
Rate and offers current as of and are subject to change. View pricing lists & cardholder agreements.
**Cash advances, credit card checks, and balance transfers are excluded from earning rewards.
^ 50,000 bonus points when you spend $3000 in purchase transactions in the first 90 days- up to $500 in value. Your points will vary in value based on redemptions but will always be valued at a minimum of $0.0085. Some point redemptions will be worth up to $0.01. Plus, $100 annual domestic air ancillary travel statement credit, $100 global entry or $85 TSA pre-check statement credit, and complimentary priority pass airport lounge annual membership, a $99 value.
***As a PenFed Pathfinder® Rewards cardholder, if you qualify for Honors Advantage (member of the military or Access America or Free Checking account holder) at the time of the application, we will waive the annual fee on your account. If you were not eligible at account opening, but subsequently become eligible, the annual fee will be waived on your next anniversary. If at any time, you fail to maintain the eligibility requirements, you will no longer be eligible for the waiver. You will receive advance notice of this change.
±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. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit http://www.visa.com/security.
ƚAccounts that are issued and approved will receive 50,000 bonus points upon spending $3000 in purchase transactions within 90 days of account opening. Each account is eligible for 1 bonus at account opening. Please allow 4 weeks after spending $3000 to receive the bonus. 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 travel purchases based on Merchant Category Codes. Your card account must be open and in good standing to earn rewards.
ƚƚTo 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.
Refer to the Program Rules, Terms and Conditions (PDF), Travel Credits (PDF) and the Travel Signature Program Benefits (PDF) for detailed information.