Get Rewarded on Everyday Purchases
Annual Fee: $
Purchase Variable APR*: %
Points** on gas paid at the pump and EV charging stations
Points** at the supermarket (including most Target and Walmart locations†), restaurants, and TV, radio, cable, streaming services
Points** on all other purchases
15,000 Bonus Pointsƚ when you spend $1,500 in first 90 days
Introductory Balance Transfer APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. Read More
ANNUAL PERCENTAGE RATE (APR) FOR PURCHASES | % when you open your account, based on your creditworthiness.* Your APR will vary with the market based on the Prime Rate. |
---|---|
APRS FOR BALANCE TRANSFERS | % introductory APR for 12 months on balance transfers made in the first days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of %. |
APR FOR CASH ADVANCES | % |
PENALTY APR AND WHEN IT APPLIES | % if your minimum payment is not received within 60 days, your entire account is subject to change to the non-variable penalty APR. The penalty APR will remain in place until you make three consecutive monthly payments on or before the due date. |
HOW TO AVOID PAYING INTEREST ON PURCHASES | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire account balance, including balance transfers and cash advances, by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. |
ANNUAL FEE | None |
CASH ADVANCE FEE | None |
BALANCE TRANSFER FEE | % |
*Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval.
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 $ fee for mailed paper statements.
Rate and offers current as of and are subject to change.
**Rewards are available only for new purchases made with the card: cash advances, cash-like transactions, credit card checks, balance transfers, and account fees 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 and supermarket purchases based on Merchant Category Codes. Military commissaries are supermarkets. 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.
†The listed merchants are in no way affiliated with Pentagon Federal Credit Union, nor are the listed merchants considered sponsors or co-sponsors of the rewards program. All trademarks are the property of their respective owners.
ƚEligible accounts will receive a one-time 15,000 point bonus upon spending $1,500 in qualified purchase transactions within 90 days of account opening. Cash advances, credit card checks, and balance transfers do not qualify as purchase transactions. Please allow 4 weeks to receive the bonus point credit. Account must be open and in good standing to qualify.
Refer to the Program Rules, Terms and Conditions (PDF) for detailed information.
1Your credit line is used to determine if your account qualifies for Traditional or Signature benefits. If your credit line is $5,000 or more then it qualifies for Signature benefits.
Protect your cell phone against theft and damage for the next calendar month by paying your monthly wireless bill with your PenFed credit card.
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.
Unleash the power of your Signature card — enjoy access to premium offers and discounts on luxury hotels around the world.
Using your PenFed card abroad won’t cost you an extra dime.
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).
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.
Your account is monitored for transactions that may indicate fraudulent activity, and we may contact you immediately if fraud is suspected.
Get notified via text, email, and phone if PenFed notices potential suspicious transactions on your account.
If your card is lost or stolen, you will not be responsible for unauthorized charges. Learn more.
Instantly lock your misplaced, lost, or stolen card with a single click to stop fraud.
Set up AutoPay for your account, and your payments will be made automatically every month.
Stay on top of your finances with personalized alerts and real-time updates. Download the PenFed Mobile app.
Share your card benefits by adding an authorized user. Learn more.
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.
Our online services are available to assist you 24 hours a day. Credit Card Contact Center.
You can always check if you are eligible for or request a credit line increase by logging into PenFed online.
ANNUAL REWARD POINTS
MONTHLY REWARD POINTS
Redeem your rewards your way
Consider our Digital - Get in Now Visa® reward cards for same-day
delivery, or choose from gift cards available at top brands for
shopping, 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!
Disclosures
To receive any advertised product, you must become a member of PenFed Credit Union which includes opening a $5 PenFed savings account.
±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.