PenFed Gold Visa® Card

For People with
Fair Credit



The PenFed Gold Visa® Card is a low interest credit card, with a low introductory rate for balance transfers. There are no spending rewards, but you can earn a $100 statement credit after spending $1,500 in the first 3 months of opening your card account.

This card offers a 0% introductory balance transfer APR for 12 months now through September 30, 2019, and then your rate will be 9.24% to 17.99%.

This card has no annual fee and no foreign transaction fees.

You can check the membership requirements for PenFed here.

Card Quick Facts

Card Quick Facts

  • 0% APR promo balance transfer rate for 12 months now through September 30, 2019. After that, the APR for the unpaid balance and any new balance transfers will be 9.24% to 17.99%. APR will vary w/the market based on Prime Rate. 3% balance transfer fee per transaction. Subject to credit approval. $100 bonus after spending $1,500 in purchase transactions within the first 90 days of account opening.
  • Rate and offers current as of May 1, 2019 and are subject to change.
  • No annual fee
  • No late fee
  • No foreign transaction fees
  • Chip enabled for added security
  • Federally insured by NCUA
  • Variable Rate As Low As 9.24% APR

For People with
Fair Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



This card does not offer rewards.

Introductory Bonus

  • $100 statement credit after spending $1,500 in the first 3 months of account opening
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 9.24% to 17.99%
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature & Chip-and-PIN
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR 17.99%
Late Fee Up to $25
Returned Payment Fee Up to $25
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 0% for 12 months now through September 30, 2019
Regular Balance Transfer APR 9.24% to 17.99%
Balance Transfer Fee 3% per transaction
Cash Advances

Cash Advances

Cash Advance APR 9.24%–17.99% Variable
Cash Advance Fee -

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Concierge Service

    Call for non-emergency help any time you need it, like help making dinner reservations or finding hard-to-find gifts.

  • Fraud Protection

    You will not be held responsible for unauthorized use of your card.

  • Travel Accident Insurance

    Get reimbursed if you or a family member gets in an accident or dies while traveling.

  • Auto Rental Collision Damage Waiver

    Provides coverage against theft and collision for eligible rental vehicles, as long as the car rental company’s own insurance is declined.

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