PenFed Pathfinder® Rewards Visa Signature® Card
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To qualify to earn 4X points on all travel, you’ll need to either maintain a checking account with PenFed, or be active duty, retired, or reserve in the military service. You’ll get a 0% intro balance transfer offer for 12 months, then an APR of 17.99% Non-variable.
PenFed Pathfinder® Rewards Visa Signature® Card
Highlights & Features
Rewards
| Spending Rewards |
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| Introductory Bonus |
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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 |
| Regular Balance Transfer APR | 17.99% Non-variable |
| Balance Transfer Fee | 3% |
Fees
| Penalty APR | 17.99% |
| Late Fee | Up to $28 |
| Returned Payment Fee | Up to $25 |
| Additional Cards Annual Fee | N/A |
| Foreign Transaction Fee | None |
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 | 17.99% Non-variable |
| Cash Advance Fee | None |
Card Benefits
SECURITY
- Zero Liability on Unauthorized Charges
TRAVEL
- No Foreign Transaction Fee
PenFed Pathfinder® Rewards Visa Signature® Card
Highlights
- 4X points per dollar on travel for PenFed Honors Advantage members
- 3X points per dollar on travel otherwise
- 1.5X points per dollar on all other purchases
- 50,000 bonus points for spending $3,000 in the first 90 days
- 0% intro balance transfer offer for 12 months, then 17.99% Non-variable
- Complimentary Priority Pass membership for airport lounges
- $100 annual domestic air ancillary travel statement credit
- $100 Global Entry or $85 TSA pre-check statement credit
- No foreign transaction fee
- $95 annual fee
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 websiteAlthough they used to exclusively serve military members, veterans, and federal employees, PenFed credit cards are now available to everyone. You don’t even need a checking account with them but, if you plan on applying for this card, you really should consider getting one anyway to unlock 4X points per dollar instead of 3X on all travel. If you’re not a current or former member of the military, a checking account is the only way to gain eligibility for the PenFed Honors Advantage program.
Perks include a $100 annual air ancillary statement credit, a complimentary Priority Pass Select membership, and a $100 Global Entry or $85 TSA PreCheck statement credit.
You’ll also get a 0% intro balance transfer APR offer for 12 months, then your rate will be 17.99% Non-variable.
The Pathfinder Rewards Visa Signature card has a $95 annual fee and no foreign transaction fee.
Learn more about the Pentagon Federal Credit Union and other PenFed credit cards.
