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PenFed Gold Visa® Card

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Our rating
Credit range: Fair
Annual Fee: $0
Regular APR: 8.99% to 17.99% Variable
Intro Balance Transfer APR: 0% for 12 months now through March 31, 2020

PenFed Gold Visa® Card

Our rating
Fair Credit range
$0 Annual Fee
Apply Now

Highlights & Features

Rewards

INTRODUCTORY BONUS

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

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR 0% for 12 months now through March 31, 2020
Regular Balance Transfer APR 8.99% to 17.99% Variable
Balance Transfer Fee 3% per transaction
How to Transfer a Balance on a Credit Card

Fees

Penalty APR 17.99%
Late Fee N/A
Returned Payment Fee Up to $25
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 8.99% to 17.99%
Cash Advance Fee None
How to Get a Cash Advance with a Credit Card
PenFed Gold Visa® Card

Highlights

  • $100 bonus after spending $1,500 in purchase transactions within the first 90 days of account opening.
  • 0% APR promo balance transfer rate for 12 months now through March 31, 2020. After that, the APR for the unpaid balance and any new balance transfers will be 8.99% to 17.99%. APR will vary w/the market based on Prime Rate. 3% balance transfer fee per transaction. Subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
  • Rate and offers current as of November 1, 2019 and subject to change.
  • No annual fee
  • No foreign transaction fee
  • No cash advance fees
  • Chip enabled for added security
  • Federally insured by NCUA
  • Variable Rate As Low As 8.99% APR
ABOUT THE ISSUER

PenFed Credit Union

PenFed Credit Union has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-581-7786 or

Try a different phone number
See all Issuer Cards

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% promotional balance transfer APR for 12 months now through March 31, 2020, and then the APR for any unpaid balance or any new balance will be 8.99% to 17.99% Variable based on your creditworthiness, which includes an evaluation of your credit history and the length of your PenFed membership and will vary with the market based on the Prime Rate. This transaction is subject to credit approval. A 3% balance transfer fee applies to each transfer. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.

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

To apply for this product, you must become a member of PenFed. You can check the membership requirements for PenFed here. PenFed is federally insured by NCUA.