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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.

Our rating
Min. credit level: Good
Annual Fee: $95
Regular APR: 14.99%–17.99% Variable
Intro Balance Transfer APR: 0% for 12 months

PenFed Pathfinder® Rewards Visa Signature® Card

Our rating
Good Min. credit level
$95 Annual Fee
Apply Now

Highlights & Features


Spending Rewards
  • 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
Introductory Bonus
  • 50,000 bonus points for spending $3,000 in the first 90 days

Balance Transfers

A balance transfer is a way to move debt from one 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%
How to Transfer a Balance on a Credit Card


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
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your 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
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Free Credit Score
  • Zero Liability on Unauthorized Charges
  • No Foreign Transaction Fee
  • Auto Rental Insurance
  • Roadside Assistance
  • Travel Accident Insurance
PenFed Pathfinder® Rewards Visa Signature® Card


  • 50,000 bonus points after spending $3,000 in purchase transactions within the first 90 days of account opening.
  • 4x points on travel for Honors Advantage Members, 3x points on travel for everyone else
  • 1.5x points on all other non travel purchases
  • $100 annual domestic air travel ancillary statement credit
  • $100 Global Entry or $85 TSA Pre-check statement credit
  • Complimentary Annual Priority Pass Select™ membership
  • $95.00 annual fee – if you qualify for Honors Advantage (member of the military or Access America account holder) at the time of application, we will waive the annual fee on your account. If you were not eligible at account opening but subsequently become eligible, the annual fee will be waived on your next and each anniversary. If at any time you fail to meet the eligibility requirement, you will no longer be eligible for the waiver. You will receive advance notice of this change.
  • No foreign transaction fee
  • No cash advance fees
  • Chip and Contactless ‘Tap to Pay’ enabled for added security, ease and convenience at the point of sale
  • Click and Pay eligible, via Secure Remote Commerce, so you can enjoy easy and secure online buying checkout
  • Digital wallet capable
  • Purchase variable Rate As Low As 14.99% APR
  • 0% promotional rate for 12 months on balance transfers made between now and March 31, 2022.
    After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. 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.
  • Cash Advance APR 17.99%
  • Rate and offers current as of November 1, 2021 and subject to change.

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

Although 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.

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