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Best PenFed Credit Cards

Penfed Promise Visa Review

Penfed-Promise-Visa

Rating: 5 Stars

Bottom Line:
No Fees for PenFed Credit Union Members

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:11.74 – 17.99% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):Transfers after March 31, 2020 no longer get 4.99% for 12 months
Rewards Rate:None
Credit Needed:(670 – 850) Good/Excellent
Annual Fee:None
Card Brand:Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Low APR on purchases
  • No fees
  • 2% Total Cash Back for PenFed Honors Advantage Members
  • $100 Statement Credit When you spend $1,500 in the first 90 days

Is Penfed Promise Visa worth it?

Penfed Promise Visa is a great card for people who don’t want to deal with any fees. This card also offers $100 Statement Credit when you spend $1,500 in the first 90 days.

If you are a member of Pentagon Federal Credit Union, PenFed, and you want no annual fee, no foreign transaction fee, no balance transfer fee, no cash advance fee, and no late fee, then this is a great card for you.

Pros

  • $100 Statement Credit when you spend $1,500 in the first 90 days
  • 5X points on all gas purchases
  • No balance transfer fee
  • No annual fee
  • No foreign transaction fee
  • Relatively low APR
  • No late fee
  • No Penalty APR

Cons

  • You may have to have military affiliation, or you may have to have affiliation with a partner association to join PenFed credit union and get this card. You might for example donate $10 to the American Red Cross, a PenFed partner association, and as long as you maintain $5 in your PenFed savings – this is called a share account at a credit union – you become eligible for Penfed Promise Visa. Financially it’s worth it but there are some steps to complete.
  • No rewards

Why 5 Stars?

Regular APR


5 Stars

Intro APR


4 Stars

Fees


5 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer FeeNone
Cash Advance FeeNone
Penalty APRNone

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Extended Warranty Program
Lost Luggage Reimbursement
Purchase Protection
Roadside Assistance
Travel Accident Insurance
Travel Assistance
Get Started with Penfed Promise Visa

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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PenFed Power Cash Rewards Visa Signature Review

PenFed-Power-Cash-Rewards-Visa-Signature

Rating: 5 Stars

Bottom Line:
Cash Back for PenFed Credit Union Members

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:11.74 – 17.99% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):Transfers after March 31, 2020 no longer get 0% for 12 months
Rewards Rate:2% total cash back for PenFed Honors Advantage members

1.5% Cash Back on all purchases made with your card
Credit Needed:(670 – 850) Good/Excellent
Annual Fee:None
Card Brand:Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • PenFed Honors Advantage: 2% Cash Back on all Purchases – Qualify with an Access America Checking account or military service
  • 1.5% Cash Back on all purchases made with your card
  • 2% Total Cash Back for PenFed Honors Advantage Members
  • $100 Statement Credit When you spend $1,500 in the first 90 days

Is PenFed Power Cash Rewards Visa Signature worth it?

PenFed Power Cash Rewards Visa Signature is a great card for people who want to get cash back as a statement credit or deposited into your bank account. Cardholders earn 1.5% Cash Back on all purchases made with your card. PenFed Honors Advantage members earn 2% Cash Back on all purchases, which is as high as the best credit cards go, like the Citi Double Cash. To qualify for Honors Advantage you must have served in the military or own an Access America Checking account.

This account has no monthly fee with a daily balance or monthly direct deposit of $500 or more. This card also offers $100 Statement Credit when you spend $1,500 in the first 90 days. If you are a member of Pentagon Federal Credit Union, PenFed, and you want an unlimited, flat-rate cash back card, then this is a great card for you.

Pros

  • $100 Statement Credit when you spend $1,500 in the first 90 days
  • 2% total cash back for PenFed Honors Advantage members
  • 1.5% Cash Back on all purchases
  • No annual fee
  • No foreign transaction fee
  • Relatively low APR
  • Redeem cash back for a statement credit of a deposit into your bank account

Cons

  • You may have to have military affiliation, or you may have to have affiliation with a partner association to join PenFed credit union and get this card. You might for example donate $10 to the American Red Cross, a PenFed partner association, and as long as you maintain $5 in your PenFed savings – this is called a share account at a credit union – you become eligible for PenFed Power Cash Rewards Visa Signature. Financially it’s worth it but there are some steps to complete.

Why 5 Stars?

Regular APR


5 Stars

Intro APR


4 Stars

Fees


5 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer Fee3% per transaction
Cash Advance Fee5% or $5 minimum per cash advance
Penalty APR17.99%

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Baggage Delay Reimbursement
Concierge Service
Emergency Card Replacement
Emergency Cash Disbursement
Extended Warranty Protection
Lost Luggage Reimbursement
Travel Accident Insurance
Price Protection
Purchase Protection
Return Protection
Roadside Dispatch
Travel and Emergency Assistance
Trip Cancellation/Trip Interruption Reimbursement
Trip Delay Reimbursement
Get Started with PenFed Power Cash Rewards Visa Signature

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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PenFed Pathfinder Rewards American Express Review

PenFed Pathfinder Rewards American Express

Rating: 5 Stars

Bottom Line:
Travel Rewards for PenFed Credit Union Members

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:12.74 – 17.99% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):Transfers after March 31, 2020 no longer get 0% for 12 months
Rewards Rate:4X Points On All Travel Purchases for PenFed Honors Advantage Members
3X Points On All Travel Purchases
1.5X Points On All Other Purchases
Credit Needed:(670 – 850) Good/Excellent
Annual Fee:None
Card Brand:American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Penfed Honors Advantage: 4X Points On All Travel Purchases – Qualify with an Access America Checking account from PenFed or military service
  • 3X Points On All Travel Purchases
  • 25,000 Bonus Points Spend $2,500 within 90 days of opening an account
  • $100 Annual Air Travel Credit for baggage fees, lounge access and onboard food and beverages
  • $100 Application Fee Credit for Global Entry or $85 for TSA Precheck when fee is charged to your Pathfinder CardClick

Is PenFed Pathfinder Rewards American Express worth it?

PenFed Pathfinder Rewards American Express is a great card for travelers. Cardholders earn 3X points on all travel purchases and 4X points if you hold an Access America Checking account. from PenFed or military service. Travel includes airfare, commuter transportation, taxi/Uber Lyft, Rail, Cruise, Hotel, Car Rental, bus lines, and even tolls. It also offers $100 annual air travel credit for baggage fees, lounge access and onboard food and beverages.

The points are worth almost 1 cent per point on hotel stays, and less in most cases on airline travel and then gift cards. So, for example, the 25,000 point sign up bonus is worth almost $250 in hotel stays. If you are a member of Pentagon Federal Credit Union, PenFed, and you are open to redeeming points rather than getting cash back directly, then this is a great travel card for you. Note that you can also redeem points for gift cards.

Pros

  • 25,000 Bonus Points Spend $2,500 in the first 90 days
  • 3X Points On All Travel Purchases
  • No annual fee
  • No foreign transaction fee
  • $100 Application Fee Credit for Global Entry or $85 for TSA Precheck when fee is charged to your Pathfinder Card
  • Relatively low APR

Cons

  • You may have to have military affiliation, or you may have to have affiliation with a partner association to join PenFed credit union and get this card. You might for example donate $10 to the American Red Cross, a PenFed partner association, and as long as you maintain $5 in your PenFed savings – this is called a share account at a credit union – you become eligible for PenFed Power Cash Rewards Visa Signature. Financially it’s worth it but there are some steps to complete.
  • Can’t redeem points for statement credit or cash deposit

Why 5 Stars?

Regular APR


5 Stars

Intro APR


4 Stars

Fees


5 Stars

Perks


5 Stars

Overall


5 Stars. ?????

Fees

Foreign Transaction FeeNone
Balance Transfer Fee3% per transaction
Cash Advance Fee5% or $5 minimum per cash advance
Penalty APR17.99%

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Baggage Delay Insurance
Concierge Service
Lost Luggage Reimbursement
Roadside Assistance
Travel Accident Insurance
Trip Delay Reimbursement
Get Started with PenFed Pathfinder Rewards American Express

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

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PenFed Platinum Rewards Visa Signature? Card

PenFed-Platinum-Rewards-Visa-Signature-Card

Rating: 5 Stars

Bottom Line:
Gas and Groceries Travel Redemption for PenFed Credit Union Members

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:11.74 – 17.99% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):Transfers after March 31, 2020 no longer get 0% for 12 months
Rewards Rate:5X Points on gas at the pump
3x Points on groceries
Credit Needed:(670 – 850) Excellent/Good
Annual Fee:None
Card Brand:Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Earn as you pay and get a little more with your everyday purchases. Rewards at the supermarket and the gas pump. That’s the platinum standard.
  • 5X Points on gas at the pump
  • 3x Points on groceries
  • 1X Points on all other purchases
  • $100 Statement Credit when you spend $1,500 in first 90 days

Is Platinum Rewards Visa Signature worth it?

Besides the unique shape, PenFed Platinum Rewards Visa Signature is a great card for people who spend a lot on gas and groceries. Cardholders earn 5X points on all gas purchases and 3X points on supermarket purchases. It also offers $100 Statement Credit when you spend $1,500 in the first 90 days. The points are worth almost 1 cent per point on hotel stays, and less in most cases on airline travel and then gift cards.

So, for example, if you were to spend $1,500 on gas and $3,000 on groceries, you would earn points worth almost $165 in hotel stays. If you are a member of Pentagon Federal Credit Union, PenFed, and you are open to redeeming points rather than getting cash back directly, then this is a great travel redemption card for you. Note that you can also redeem points for gift cards.

Pros

  • $100 Statement Credit when you spend $1,500 in the first 90 days
  • 5X points on all gas purchases
  • 3X points on supermarket purchases
  • No annual fee
  • No foreign transaction fee
  • Relatively low APR

Cons

  • You may have to have military affiliation, or you may have to have affiliation with a partner association to join PenFed credit union and get this card. You might for example donate $10 to the American Red Cross, a PenFed partner association, and as long as you maintain $5 in your PenFed savings – this is called a share account at a credit union – you become eligible for Platinum Rewards Visa Signature. Financially it’s worth it but there are some steps to complete.
  • Can?t redeem points for statement credit or cash deposit

Why 5 Stars?

Regular APR

The interest rate will be between 11.74 – 17.99%, varying a little bit based on the prime rate at the time. An interest rate below 18% is very good, and if you have good credit you might get an even lower rate.
5 Stars

Intro APR

There is no Intro APR on purchases and balance transfers after March 31, 2020 no longer get 0% for 12 months.
4 Stars

Fees

There’s no annual fee, no foreign transaction fee, an average 3% balance transfer fee, and no cash advance fee, which is exceptionally rare. The only downside is the 17.99% penalty APR, which is on the low side for a penalty APR, but still good to be aware of.
5 Stars

Perks

Besides the relatively easy to obtain $100 statement credit when you spend $1,500 in the first 90 days, you get 5x points on gas pump purchases and 3x points on grocery purchases.
5 Stars

Overall

It’s hard to beat free. With no annual fee and an easy $100 once you spend $1,500 in the first 90 days, PenFed members are in good hands with Platinum Rewards Visa Signature.
5 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer Fee3% per transaction
Cash Advance FeeNone
Penalty APR17.99%

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Baggage Delay Reimbursement
Concierge Service
Emergency Card Replacement
Emergency Cash Disbursement
Extended Warranty Protection
Lost Luggage Reimbursement
Travel Accident Insurance
Price Protection
Purchase Protection
Return Protection
Roadside Dispatch
Travel and Emergency Assistance
Trip Cancellation/Trip Interruption Reimbursement
Trip Delay Reimbursement
Get Started with PenFed Platinum Rewards Visa Signature

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

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The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Best Credit Cards For Good Credit, Best Credit Cards For Groceries, Best Gas Credit Cards, Best PenFed Credit Cards

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