As many as you want — there is no limit to the number of points you can earn.
Points Rewards
Points on everyday purchases
5X on fuel and EV charging; 3X at supermarkets and restaurants.
Points Rewards
Points on everyday purchases
5X on fuel and EV charging; 3X at supermarkets and restaurants.
Points Rewards
Points on everyday purchases
5X on fuel and EV charging; 3X at supermarkets and restaurants.
This card is best for:
Earning bonus points on everyday purchases, with low APRs and no annual fee.
This card is best for:
Earning cash back on everything – to redeem when you need it.
Bonus pointsƚ
When you spend $1,500 in the first 90 days.
Points**
On gas paid at the pump and at EV charging stations.
Points**
At the supermarket (including most Target and Walmart locations†) and restaurants, and on TV, radio, cable, and streaming services.
Points**
Unlimited on all other purchases.
Reward points on all purchases!
From grocery aisles to highway miles, reward points are everywhere!
No rotating categories
Nothing to keep track of — just spend and earn at your bonus rate.
No caps
Spending $100, $1,000, $10,000, or even more? You’ll get unlimited points.
No gimmicks
Spend your points any way you want.
Earn on everything
Always earn at least 1X points and even more on gas, grocery, dining, and streaming.
Reward points on all purchases!
No rotating categories
Nothing to keep track of — just spend and earn at your bonus rate.
No Caps
Spending $100, $1,000, $10,000, or even more? You’ll get cash back on all of it.
No gimmicks
Spend your cash back any way you want.
Compare how we stack up against the rest!
Explore cardholder benefits
Cell Phone Protection
Protect your cell phone against theft and damage for the next calendar month by paying your monthly wireless bill with your PenFed credit card.
Exclusive Offers & Discounts
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.
Access to Luxury Hotel Collection
Unleash the power of your Signature card — enjoy access to premium offers and discounts on luxury hotels around the world.
No Foreign Transaction Fees
Using your PenFed card abroad won’t cost you an extra dime.
Travel Accident Coverage
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).
Complimentary Concierge Service
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.
24/7 Fraud Monitoring
Your account is monitored for transactions that may indicate fraudulent activity, and we may contact you immediately if fraud is suspected.
Security Alerts
Get notified via text, email, and phone if PenFed notices potential suspicious transactions on your account.
$0 Fraud Liability±
If your card is lost or stolen, you will not be responsible for unauthorized charges. Learn more.
Card Lock
Instantly lock your misplaced, lost, or stolen card with a single click to stop fraud.
AutoPay
Set up AutoPay for your account, and your payments will be made automatically every month.
PenFed Mobile App
Stay on top of your finances with personalized alerts and real-time updates. Download the PenFed Mobile app.
Authorized User
Share your card benefits by adding an authorized user. Learn more.
Digital Wallet
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.
24/7 Digital Service
Our online services are available to assist you 24 hours a day. Credit Card Contact Center.
Redeem rewards — your way
You can redeem points for travel, merchandise, and gift cards.
Gift Cards
Consider our “Digital - Get It Now” Visa® reward cards for same-day delivery, or choose from over 300 gift cards available at top brands for shopping, dining, and entertainment.
Travel
Visit our reward catalog to see the great places your PenFed Rewards can take you if you are planning a trip.
Shopping
Shop for electronics, including at our exclusive Apple Store, as well as sporting goods, fashion and beauty, food and wine, household items, luggage, office supplies, children’s items, and so much more!
Gift Cards
Consider our “Digital - Get It Now” Visa® reward cards for same-day delivery, or choose from over 300 gift cards available at top brands for shopping, dining, and entertainment.
Travel
Visit our reward catalog to see the great places your PenFed Rewards can take you if you are planning a trip.
Shopping
Shop for electronics, including at our exclusive Apple Store, as well as sporting goods, fashion and beauty, food and wine, household items, luggage, office supplies, children’s items, and so much more!
How much cash back I can earn?
Calculate Your Rewards
Your Point Rewards
Annual Reward Points
Monthly Reward Points
Ready to redeem your mail offer?
Enter the code from your mail and complete your application in less than 60 seconds!
FAQs
Points expire 5 years from the date earned. To check when your points are set to expire, click on the account icon in the main menu bar and select 'Redemption Summary.' You will see the points that you have earned, your points balance, and the next 3 months of points set to expire.
Disclosures
*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.
±Visa Zero Liability Policy covers U.S.–issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa. Cardmembers must notify PenFed promptly of any unauthorized use.
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.
1 Your 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.