PenFed Platinum Rewards Visa Signature® Card

The PenFed Platinum Rewards Visa Signature Card offers reward points as well as travel assistance.

With this card you’ll earn 5X points per $1 at the gas pump, 3X points per $1 on groceries, and 1X point per $1 everywhere else.

There’s no annual fee and no foreign transaction fees for this card.

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 11.99% 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 June 1, 2019 and subject to change.
  • Earn 5 points on gas purchases at the pump. Fuel purchases for airplanes and boats do not receive cash back rewards.
  • Earn 3 points on supermarket purchases
  • Earn 1 point on all other purchases
  • No annual fee
  • No foreign transaction fees
  • No cash advance fee
  • Chip enabled for added security
  • Federally insured by NCUA
  • Variable rate as low As 11.99% APR

Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 5X points per dollar spent on Gas purchases at the pump
  • 3X points per dollar spent on Groceries
  • 1X point per dollar spent on all other purchases

Introductory Bonus

  • $100 statement credit after spending $1,500 in the first 90 days
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 11.99% 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 No
Penalty APR 17.99%
Late Fee -
Returned Payment Fee Up to $25
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 0% for 12 months
Regular Balance Transfer APR 11.99% to 17.99%
Balance Transfer Fee 3% balance transfer fee per transaction
Cash Advances

Cash Advances

Cash Advance APR 11.99% to 17.99% when you open your account, based on your credit worthiness.* Your APR will vary with the market based on the Prime Rate.
Cash Advance Fee None

Card Benefits

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

  • 24/7 Concierge Service

    Call any time to talk to a personal assistant, who can help you in all sorts of non-emergency tasks like finding hard-to-find gifts, making reservations, and getting travel info.

  • Visa Signature Luxury Hotel Collection

    Choose from over 900 luxury hotels around the world. Cardmembers receive perks like the best available rate, automatic room upgrades, complimentary in-room WiFi, and more.

  • Shopping Benefits

    Get discounts from top retailers online and in-store.

  • Premium Cardmember Benefits

    Get exclusive benefits such as access to popular events, ticket pre-sales and discounts, special stay-and-play packages, premier golf benefits and sporting packages, complimentary wine tastings, and more.

  • Entertainment

    Receive preferred seating when you buy tickets at Arena and Big Top shows at

  • Emergency Replacement

    Visa will work with your bank to get you your card replacement ASAP — within 24 to 72 hours.

  • Emergency Cash Disbursement

    Visa can arrange a wire cash transfer to your local Western Union bank within 2 hours of approval from your bank.

  • Lost/Stolen Card Reporting

    Call your Visa card issuer or Visa Global Customer Care Services at 1-800-847-2911 to report your card lost or stolen.

  • Zero Fraud Liability

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

  • Purchase Protection

    Provides coverage for eligible lost or stolen items within 90 days from the date of purchase.

  • Extended Warranty Protection

    Eligible warranties of 3 years or less can be extended by up to an additional year.

  • Roadside Assistance

    Assistance with services such as towing, changing a flat, or boosting a battery in case of emergency.

  • Travel and Emergency Assistance

    Provides help with emergencies, including legal and medical referrals.

  • 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 cars, as long as the car rental company’s own insurance is declined.

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