Credit Cards

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  • PenFed Premium Travel Rewards American Express® Card

    PenFed Premium Travel Rewards American Express® Card



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    • 5 points on airfare purchases
    • 1 point on all other purchases
    • 20,000 bonus points when you spend $2,500 within the first 3 months of opening the card
    • No annual fee
    • No foreign transaction fee
    • 3.99% APR promotional balance transfer rate for 12 Months on Balance Transfers made between February 15, 2015 through March 31, 2015. After that, the APR for the unpaid balance and any new balance transfers will be 9.99% to 17.99% based on your creditworthiness and will vary with the market based on the Prime Rate. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval.
    • Summary of Terms (PDF)
    • Purchases and Cash Advance - As low as 9.99% APR 
    • Balance Transfers - 3.99% APR promotional balance transfer rate for 12 Months on Balance Transfers made between February 15, 2015 through March 31, 2015. After that, the APR for the unpaid balance and any new balance transfers will be 9.99% to 17.99% APR based on your credit worthiness and will vary with the market based on the Prime Rate. A 3% balance transfer fee applies for each transfer. This transaction is subject to credit approval. 
    • Summary of Terms (PDF) 
    • Credit lines available from $5,000 up to $50,000
    • Exclusive travel upgrades, rewards and more
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    PenFed Platinum Rewards Visa Signature® Card

    PenFed Platinum Rewards Visa Signature® Card



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    • See how many points you can earn*
    • Minimum $5,000 credit line
    • Complimentary 24/7 concierge service
    • Special savings and discounts from top retailers
    • Access to popular events
    • No annual fee
    • No foreign transaction fee
    • 3.99% APR promotional balance transfer rate for 12 Months on Balance Transfers made between February 15, 2015 through March 31, 2015. After that, the APR for the unpaid balance and any new balance transfers will be 9.99% to 17.99% based on your creditworthiness. Your APR will vary with the market based on the Prime Rate. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval.
    • Chip Enabled for Added Security
    • Card Security Text Alerts
    • Summary of Terms (PDF)
    • Purchases and Cash Advances - As low as 9.99% APR.
       
    • Balance Transfers - 3.99%  APR promotional balance transfer rate for 12 Months on Balance Transfers made between February 15, 2015 through March 31, 2015. After that, the APR for the unpaid balance and any new balance transfers will be 9.99% to 17.99% based on your creditworthiness. Your APR will vary with the market based on the Prime Rate. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval

       
    • Summary of Terms (PDF) 
     
    • Credit limits available from $5000 to $50,000
    • Points can easily be redeemed online for merchandise, travel, gift cards, or even Visa prepaid cards
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    PenFed Promise Visa® Card

    PenFed Promise Visa® Card



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    • No annual fee
    • No foreign transaction fee
    • No late fee (or any other fees)
    • No balance transfer fee
    • No penalty pricing
    • 4.99% APR promotional balance transfer rate for 12 Months on transfers made between February 15, 2015 through March 31, 2015. After that, the APR for the unpaid balance and any new balance transfers will be 7.99% to 16.99% based on your credit worthiness and will vary with the market based on the Prime Rate. This transaction is subject to credit approval.
    • Chip Enabled for Added Security
    • Card Security Text Alerts
    • Summary of Terms (PDF)
    • Purchases and Cash Advance - As low as 7.99% APR
    • Balance Transfers - 4.99% APR promotional balance transfer rate for 12 Months on Balance Transfers made between February 15, 2015 through March 31, 2015. After that, the APR for the unpaid balance and any new balance transfers will be 7.99% to 16.99% APR based on your credit worthiness and will vary with the market based on the Prime Rate. This transaction is subject to credit approval. 

     

    • Credit lines available from $500 to $50,000
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    PenFed Defender Visa Signature® Card

    PenFed Defender Visa Signature® Card



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    • 1.5% cash back on all purchases.
    • Minimum $500 credit line
    • Absolutely No Fees
    • Access to popular events
    • No annual fee
    • No foreign transaction fee
    • 4.99 APR promotional balance transfer rate for 12 months on transfers made between February 15, 2015 through March 31, 2015. After that, the APR for the unpaid balance and any new balance transfers will be 8.99% to 16.99% based on your credit worthiness and will vary with the market based on the Prime Rate. This transaction is subject to credit approval.
    • Chip Enabled for Added Security
    • Must be in military service, the National Guard, the Reserves, Retired, or an honorably discharged Veteran of the United States Military to apply.
    • Card Security Text Alerts
    • Summary of Terms (PDF)
    • Purchases and Cash Advances - As low as 8.99% APR
    • Balance Transfers - 4.99% APR promotional balance transfer rate for 12 months on Balance Transfers made between February 15, 2015 through March 31, 2015 After that, the APR for the unpaid balance and any new balance transfers will be 8.99% to 16.99% APR based on your credit worthiness and will vary with the market based on the Prime Rate. This transaction is subject to credit approval. 

       
    • Summary of Terms (PDF) 
     
    • Credit limits available from $500 to $50,000
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    PenFed Defender American Express® Card

    PenFed Defender American Express® Card



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    • As low as  8.99% APR for purchases and cash advances.
    • 1.5% cash back on every purchase. 
    • Absolutely no fees 
    • 4.99% APR promotional balance transfer rate for 12 Months on transfers made from February 15, 2015 through March 31, 2015 with no balance transfer fee. After that, the APR for the unpaid balance and any new balance transfers will be 8.99% to 16.99% APR based on your credit worthiness and will vary with the market based on the Prime Rate. This transaction is subject to credit approval.
    • Must be in military service, the National Guard, the Reserves, Retired, or an honorably discharged Veteran of the United States Military to apply.
    • Summary of Terms (PDF)
    • Purchases - As low as 8.99% APR
       
    • Balance Transfers - 4.99% APR promotional balance transfer rate for 12 Months on Balance Transfers made between February 15, 2015 through March 31, 2015. After that, the APR for the unpaid balance and any new balance transfers will be 8.99% to 16.99% APR based on your credit worthiness and will vary with the market based on the Prime Rate. This transaction is subject to credit approval.
       
    • Summary of Terms (PDF)  
    • Credit lines available from $1,000 to $50,000
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    PenFed Platinum Cash Rewards Visa® Card

    PenFed Platinum Cash Rewards Visa® Card



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    • 5% cash back on gas purchases paid at the pump**
    • Rewards are unlimited and cash back is automatically credited to your account every month.
    • First year $0 then $25
    • No foreign transaction fee
    • 3.99% APR promotional balance transfer rate for 12 Months on Balance Transfers made between February 15, 2015 through March 31, 2015. After that, the APR for the unpaid balance and any new balance transfers will be 9.99% to 17.99% based on your creditworthiness and will vary with the market based on the Prime Rate. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval.

    • Chip Enabled for Added Security
    • Card Security Text Alerts
    • Platinum Cash Rewards Standard Card: Summary of Terms (PDF) 
    • Platinum Cash Rewards Plus Card: Summary of Terms(PDF) 
    • Purchases and Cash Advance - As low as 9.99% APR
    • Balance Transfers - 3.99% APR promotional balance transfer rate for 12 months on Balance Transfers made between February 15, 2015 through March 31, 2015. After that, the APR for the unpaid balance and any new balance transfers will be 9.99% to 17.99% APR based on your credit worthiness and will vary with the market based on the Prime Rate. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. 
    • Platinum Cash Rewards Standard Card: Summary of Terms  (PDF) 
    • Platinum Cash Rewards Plus Card: Summary of Terms  (PDF) 
    • Credit lines available from $500 up to $50,000
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    PenFed Gold Visa® Card

    PenFed Gold Visa® Card



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    • No annual fee
    • No foreign transaction fee
    • 3.99% APR promotional balance transfer rate for 12 Months on Balance Transfers made between February 15, 2015 through March 31, 2015. 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 12.49%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval.
    • Chip Enabled for Added Security
    • Card Security Text Alerts
    • Summary of Terms (PDF)
    • Purchases and Cash Advances - Variable 12.49% APR
       
    • Balance Transfers - 3.99% APR  promotional balance transfer rate for 12 Months on Balance Transfers made between February 15, 2015 through March 31, 2015. 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  12.49%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval.
       
    • Summary of Terms (PDF) 
    • Credit lines available from $500 to $50,000
    Get Started
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  • Details and Disclosures

  • Credit Cards  

    Rates and offers are current as of March 2015 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 PenFed 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 PenFed credit card account. You may transfer up to your PenFed available credit, not to exceed your credit limit authorized by PenFed. 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). PenFed 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. PenFed 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 do not earn credit toward rewards.

     

    PenFed Platinum Rewards Visa Signature® Card 

    Purchase and cash advance APR is 9.99% to 16.99% when you open your account, based on your creditworthiness. Your APR will vary with the market based on the Prime Rate. Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate.

      

    Balance Transfers - 3.99% APR promotional balance transfer rate for 12 Months on transfers made between February 15, 2015 through March 31, 2015. After that, the APR for the unpaid balance and any new balance transfers will be 9.99% to17.99% based on your creditworthiness and will vary with the market based on the Prime Rate. 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 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 Promise Card  

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

    Purchase and cash advance APR is 7.99% to 16.99% when you open your account, based on your credit worthiness. Your APR will vary with the market based on the Prime Rate. Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate. 

     

    Balance Transfers - 4.99% APR promotional balance transfer rate for 12 Months on transfers made between February 15, 2015 through March 31, 2015. After that, the APR for the unpaid balance and any new balance transfers will be 7.99% to 16.99% based on your creditworthiness and will vary with the market based on the Prime Rate. This transaction is subject to credit approval.

     

    PenFed Premium Travel Rewards American Express® Card 

    Purchase and cash advance APR is 9.99% to 16.99% when you open your account, based on your creditworthinessYour APR will vary with the market based on the Prime Rate. Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approvalNot all applicants will qualify for the lowest rate. 

    Balance Transfers - 3.99% APR promotional balance transfer rate for 12 Months on balance transfers made between February 15, 2015 through March 31, 2015After that, the APR for the unpaid balance and any new balance transfers will be 9.99% to 16.99% based on your creditworthiness and will vary with the market based on the Prime Rate. A 3% balance transfer fee applies to each transfer.  This transaction is subject to credit approval.

    The PenFed Premium Travel Rewards American Express® 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.

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

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

     

    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.

    Purchase and cash advance APR is 8.99% to 16.99% when you open your account, based on your creditworthiness. Your APR will vary with the market based on the Prime Rate. Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate. 

     

    Balance Transfers - 4.99% APR promotional balance transfer rate for 12 months on transfers made between February 15, 2015 through March 31, 2015. After that, the APR for the unpaid balance and any new balance transfers will be 8.99% to 16.99% based on your creditworthiness and will vary with the market based on the Prime Rate. This transaction is subject to credit approval.

    Cash advances, credit card checks, and balance transfers do not earn cash rewards. 

     

    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.  

     

    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.

    Purchase and cash advanceAPR i8.99% to 16.99% when you open your account, based on your creditworthiness. Your APR will vary with the market based on the Prime Rate.Rates are based on an evaluatioof applicant credit. Your actual APR will be discloseat the time of credit approval. Not all applicantwill qualify for the lowest rate. 

    Balance Transfers - 4.99% APR promotional balance transfer rate for 12 months on transfers made between February 15, 2015 through March 31, 2015. After that, the APR for the unpaid balance and any new balance transfers will be  8.99% to 16.99% based on your creditworthiness and will vary with the market based on the Prime Rate. This transaction is subject to credit approval. 

    Cash advances, credit card checks, and balance transfers do not earn cash rewards. 

     

    Visa® Gold Card 

     

    Purchase and cash advance APR is 12.49%. Your APR will vary with the Prime Rate.

     

     Balance Transfers - 3.99% APR promotional balance transfer rate for 12 Months on transfers made between March 01, 2015 through March 31, 2015. 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 12.49%. 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.

     

     

    Visa® Classic Card  

    APR for purchases and cash advances is 13.99% and will vary with the market based on the Prime Rate.

    Balance Transfers - 3.99% APR promotional balance transfer rate for 12 Months on Balance Transfers made between February 15, 2015 through March 31, 2015. 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  13.99%. 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.

     

    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.