PenFed Gold Visa® Card
 

Key Features

  • No annual fee
  • No foreign transaction fee
  • No cash advance fees
  • 0% APR promotional balance transfer rate for 12 Months on Balance Transfers made between January 1, 2017 - March 31, 2017. After that, the APR for the unpaid balance and any new balance transfers will vary with the market based on the Prime Rate, and is currently 12.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance in full each month by the payment due date.
  • Chip Enabled for Added Security
  • Card Security Text Alerts 
  • Summary of terms (PDF)
  • Credit card agreement (PDF)

 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for Purchases and Cash Advances 12.99% Your APR will vary with the market based on the Prime Rate.
 
APRs for Balance Transfers 0% APR promotional balance transfer rate for 12 Months on Balance Transfers made between January 1, 2017 - March 31, 2017. After that,the APR for the unpaid balance and any new balance transfers will vary with the market based on the Prime Rate, and is currently 12.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance in full each month by the payment due date.
Penalty APR and When It Applies 17.99% APR 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.

 

Cardholders may sign up for Free electronic statement notification to avoid paying a $1.00 fee for mailed paper statements.

 

Benefits

  • Emergency card replacement
  • Automobile rental insurance
  • $100,000 travel accident insurance
  • Verified by Visa - added security for all your online Visa card purchases.

Keep in Mind:

Not yet a PenFed member? Join now to apply.


To apply for this exclusive card, please call us.

800-247-5626

For alternative ways to contact PenFed, visit our contact us page.


Details and Disclosures

Credit Cards  

Rates and offers are current as of February 2017 and are subject to change.

 

Balance Transfers 

Transaction is subject to credit approval. All rates and offers subject to change. The interest rates applicable to purchases or cash advances and for prior promotional balances remain unchanged. Balance transfers are treated as cash advances so interest accrues from the date the transfer is posted to your account. Balance transfers of other Pentagon Federal Credit Union credit cards, loans, and/or lines of credit are not eligible for this promotion. PenFed may stop offering this promotional rate for new balance transfers at any time and without prior notice.

You agree to allow 30 days to process your request, pay the amount(s) authorized and transfer the balance(s) to your Pentagon Federal credit card account. You may transfer up to your Pentagon Federal available credit, not to exceed your credit limit authorized by Pentagon Federal Credit Union. Please continue to make minimum payments on your other credit card(s) until the balance(s) have been transferred. All over payments must be refunded by the other institution. Payment of the amount(s) authorized by you may or may not satisfy any outstanding balance(s) on the designated account(s). Pentagon Federal is not responsible for any remaining balance(s) or additional charges with regard to such accounts, nor for any charges resulting in any delay in the payment and transfer of balances. Pentagon Federal reserves the right to refuse multiple transfers from the same credit card. Transferred balances do not qualify for cash rewards or air-travel points under the Visa Platinum Rewards Program. Balance transfers are excluded and do not earn credit toward rewards.

PenFed Platinum Rewards Visa Signature® Card 

APR for purchases and cash advances is 10.49% and will vary with the market based on the Prime Rate.

 

Balance Transfers - 0% APR promotional balance transfer rate for 12 Months on Balance Transfers made between January 1, 2017 - March 31, 2017. After that, the APR for the unpaid balance and any new balance transfers will vary with the market based on the Prime Rate, and is currently  10.49%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval.

*The PenFed Platinum Rewards Visa Signature® Card program is issued and administered by PenFed. Refer to Benefits Information (PDF - https://www.penfed.org/VPS_Benefits_Guide/) for complete program rules, terms and conditions. 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 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.

Cardholders may sign up for Free electronic statement notification to avoid paying a $1.00 fee for mailed paper statements.

 

PenFed Platinum Rewards Card 

APR for purchases and cash advances is 10.49% and will vary with the market based on the Prime Rate.

 

Balance Transfers - 0% APR promotional balance transfer rate for 12 Months on Balance Transfers made between January 1, 2017 - March 31, 2017. After that, the APR for the unpaid balance and any new balance transfers will vary with the market based on the Prime Rate, and is currently  10.49%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval.

*The PenFed Platinum Rewards Credit Card program is issued and administered by PenFed. Refer to Benefits Information (PDF - https://www.penfed.org/platinumbenefits/) for complete program rules, terms and conditions. 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 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.

Cardholders may sign up for Free electronic statement notification to avoid paying a $1.00 fee for mailed paper statements.

 

Visa Platinum Cash Rewards Card 

APR for purchases and cash advances is 10.49% and will vary with the market based on the Prime Rate.

**Net purchases (new monthly purchases minus returns and credits). Rewards are available only for new monthly 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 limitations apply to the Visa Platinum Cash Rewards Program. Certain restrictions may apply. Visa USA determines which transactions are classified as paid at the pump. Fuel purchases for airplanes and boats do not receive cash back rewards.

Balance Transfers - 0% APR promotional balance transfer rate for 12 Months on Balance Transfers made between January 1, 2017 - March 31, 2017. After that, the APR for the unpaid balance and any new balance transfers will vary with the market based on the Prime Rate, and is currently  10.49%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval.

Cardholders may sign up for Free electronic statement notification to avoid paying a $1.00 fee for mailed paper statements.

 

PenFed Promise Card 

Promise Visa Cardholders must subscribe to our e-statement service for ALL active credit card accounts held with PenFed. Pentagon Federal is not affiliated with or endorsed by Upromise, Inc.

APR for purchases and cash advances is 10.49% and will vary with the market based on the Prime Rate.

Balance Transfers - 4.99% APR promotional balance transfer rate on transfers made from January 1, 2017 - March 31, 2017 for None with no balance transfer fee. After that, the APR for any new balance transfers will vary with the market based on the Prime Rate, and is currently 10.49%. This transaction is subject to credit approval.

 

PenFed Premium Travel Rewards American Express® Card 

APR for purchases and cash advances is 10.49% and will vary with the market based on the Prime Rate.
The PenFed Premium Travel Rewards American Express® Credit Card program is issued and administered by PenFed. Refer to American Express Benefits Information (PDF - https://www.penfed.org/Amex-Benefits/) for complete program rules, terms and conditions. American Express® is a federally registered Service mark of American Express® and is used by PenFed pursuant to a license.

Balance Transfers - 0% APR promotional balance transfer rate for 12 Months on Balance Transfers made between January 1, 2017 - March 31, 2017. After that, the APR for the unpaid balance and any new balance transfers will vary with the market based on the Prime Rate, and is currently 10.49%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval.

Cardholders may sign up for Free electronic statement notification to avoid paying a $1.00 fee for mailed paper statements.

 

PenFed Defender Visa Signature® Card 

Must be in military service, the National Guard, the Reserves, or an honorably discharged Veteran of the United States Military to apply.

APR for purchases and cash advances is 10.49% and will vary with the market based on the Prime Rate.

 The APR for cash advances is 10.49% and will vary with the market based on the Prime Rate.

Balance Transfers - 4.99% APR promotional balance transfer rate on transfers made from January 1, 2017 - March 31, 2017 for 12 Months with no balance transfer fee. After that, the APR for any new balance transfers will vary with the market based on the Prime Rate, and is currently 10.49%. This transaction is subject to credit approval.

 

PenFed Defender American Express® Card 

Must be in military service, the National Guard, the Reserves, or an honorably discharged Veteran of the United States Military to apply.

APR for purchases and cash advances is 10.49% and will vary with the market based on the Prime Rate.

The APR for cash advances is 10.49% and will vary with the market based on the Prime Rate.

This Credit Card program is issued and administered by PenFed. Refer to American Express Benefits Information (PDF - click here) for complete program rules, terms and conditions. American Express® is a federally registered Service mark of American Express® and is used by PenFed pursuant to a license.

Balance Transfers - 4.99% APR promotional balance transfer rate on transfers made from January 1, 2017 - March 31, 2017 for 12 Months with no balance transfer fee. After that, the APR for any new balance transfers will vary with the market based on the Prime Rate, and is currently 10.49%. This transaction is subject to credit approval.

 

Visa® Gold Card 

APR for purchases and cash advances is 12.99% and will vary with the market based on the Prime Rate.

$100 Statement Credit Bonus Offer - Accounts approved and issued from August 8, 2014 through December 31, 2014 will receive a $100 statement credit upon spending $1500 in purchase transactions within 3 months of account opening. Cash advances, credit card checks, and balance transfers do not qualify as purchase transactions. Each account is eligible for 1 statement credit of $100.  Please allow 4 weeks after spending $1500 to receive the statement credit.

Balance Transfers - 0% APR promotional balance transfer rate for 12 Months on Balance Transfers made between January 1, 2017 - March 31, 2017. After that, the APR for the unpaid balance and any new balance transfers will vary with the market based on the Prime Rate, and is currently 12.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval.

Cardholders may sign up for Free electronic statement notification to avoid paying a $1.00 fee for mailed paper statements.

 

Visa® Classic Card  

APR for purchases and cash advances is 14.49% and will vary with the market based on the Prime Rate.

Balance Transfers - 0% APR promotional balance transfer rate for 12 Months on Balance Transfers made between January 1, 2017 - March 31, 2017. After that, the APR for the unpaid balance and any new balance transfers will vary with the market based on the Prime Rate, and is currently  14.49%. A 3% balance transfer fee applies to each transfer.  This transaction is subject to credit approval.

Cardholders may sign up for Free electronic statement notification to avoid paying a $1.00 fee for mailed paper statements.

 

Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Wisconsin Residents: No provision of a marital property agreement, unilateral statement or court decree adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.