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*Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval.

Rate and offers current as of and are subject to change. 

**Cash advances, credit card checks, and balance transfers are excluded from earning rewards.

***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.

^‡ Introductory APR on purchases made the first months after account opening. After that, the APR for the unpaid purchase balance and any new purchases will be % based on your creditworthiness which includes an evaluation of your credit history and will vary with the market based on the Prime Rate.

^±To 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.

^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.

^ bonus points when you spend $ 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, $120 global entry or $85 TSA pre-check statement credit, and complimentary priority pass airport lounge annual membership, a $99 value. Each account is eligible for 1 bonus at account opening. Please allow 4 weeks after spending $ 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.