PenFed Pathfinder Rewards American Express® Card

For People with
Good Credit



The PenFed Pathfinder Rewards American Express® Card is an excellent travel card, with rewards and cost-saving benefits.

Cardholders earn 3X points on travel, with 1.5X points for every other purchase. PenFed Honors Advantage members get 4X points on travel, and you can attain this member level by opening a PenFed Access America Checking Account or being a member of the military.

There are some great perks with this card, particularly the $100 Air Travel Credit for incidental fees and the $100 Application Fee Credit for Global Entry or TSA PreCheck. The air travel credit only applies to incidental fees, like baggage and in-flight food; it doesn’t include flight tickets.

You’ll also get a concierge service you can call for assistance whenever you’d like, and a variety of travel protections.

All this comes for no annual fee, meaning you’ll actually come out ahead in value from this card simply by using the travel credits. An air travel credit with no annual fee is a rare combination, making this a very lucrative card offer (not to mention the Global Entry/TSA PreCheck credit). There are no foreign transaction fees either.

You can check the membership requirements for PenFed here.

Card Quick Facts

Card Quick Facts

  • 0% APR promo balance transfer rate for 12 months with 3% balance transfer fee now through September 30, 2019. After that, the APR for the unpaid balance and any new balance transfers will be 12.99% to 17.99%. APR will vary with the market based on Prime Rate. Subject to credit approval.
  • Earn 25,000 Bonus Points by spending $2,500 in the first 90 days of account opening.
  • Earn 4X Points on travel purchases through the PenFed Honors Advantage program. Earn 3X points on travel purchases for all other card holders.
  • Earn 1.5X points on all other purchases unrelated to travel.
  • $100 Annual Air Travel Credit
  • $100 Global Entry or $85 TSA PreCheck Benefit every 5 years
  • No caps or limits on rewards. No annual or foreign transaction fees.
  • Chip enabled for added security.
  • Variable rate as low as 12.99% APR. Rate and offers current as of June 1, 2019 and are subject to change.
  • Federally insured by NCUA.

For People with
Good Credit



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Card Details



  • 3X points per dollar on Travel
  • 4X points per dollar on Travel for PenFed Honors Advantage members
  • 1.5X points per dollar on all other purchases

Introductory Bonus

  • 25,000 bonus points for spending $2,500 in the first 3 months after account opening
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 12.99% to 17.99%
Intro Purchase APR -
Foreign Transaction Fee $0
Chip Technology Chip-and-Signature & Chip-and-PIN
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR 17.99%
Late Fee -
Returned Payment Fee Up to $25
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 0% for for 12 months
Regular Balance Transfer APR 12.99% to 17.99%
Balance Transfer Fee 3% balance transfer fee now through September 30, 2019
Cash Advances

Cash Advances

Cash Advance APR 12.99%–17.99% Variable
Cash Advance Fee 5%, $5 minimum

Card Benefits

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

  • $100 Annual Air Travel Credit

    Good for incidental fees from U.S. airlines, like baggage and in-flight purchases. Flight tickets are not included.

  • $100 Global Entry or TSA Pre✓ Application Fee Credit

    Get a credit for the application fee of either Global Entry ($100) or TSA Pre✓ ($85), once every 5 years.

  • Personal Concierge

    Call for non-emergency assistance whenever you’d like, for help making reservations, finding local services, and more.

  • Zero Fraud Liability

    You won’t be held responsible for unauthorized charges. Contact customer support immediately if you suspect fraud.

  • Roadside Assistance

    Call for help with issues on the road, like towing or tire changes, for a flat fee of $59.95 for most services.

  • Emergency Assistance

    Call for legal, medical, travel, or personal help.

  • Worldwide Car Rental Loss and Damage Insurance

    Eligible vehicles are covered against collision damage and theft, when you decline the rental company’s own insurance.

  • Worldwide Travel Accident Insurance

    Up to $100,000 in coverage against accidental death and dismemberment when traveling by common carrier.

  • Lost Baggage Reimbursement

    Provides reimbursement if your bags are lost by a common carrier.

  • Baggage Delay Reimbursement

    Reimbursement for eligible essential purchases when your bags are delayed more than 6 hours, up to $200 per incident.

  • Trip Delay Reimbursement

    Up to $200 in reimbursement per year if your trip is cancelled or delayed by more than 6 hours.

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