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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

Rewards

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 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%
How to Transfer a Balance on a Credit Card

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
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 17.99% Non-variable
Cash Advance Fee None
How to Get a Cash Advance with a Credit Card

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 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.