PenFed Credit Cards

Established in 1935, Pentagon Federal Credit Union (PenFed) is America’s second-largest federal credit union, serving over 2 million members worldwide with over $26 billion in assets. PenFed Credit Union offers market-leading credit cards that let you enjoy cash back, travel rewards, or 0% APR. In addition, it offers certificates, checking, personal loans, mortgages, auto loans, and a wide range of other financial services. PenFed Credit Union is federally insured by the NCUA and is an Equal Housing Lender.

  • Earn Cash Back for Everyday Purchases
  • No Caps. No Limits. No Gimmicks.
  • 2% Cash Back** on all purchases for PenFed Honors Advantage Members
  • 1.5% Cash Back** on all purchases made with your card
  • $100 Bonus Offer Statement Credit When you spend $1,500 in the first 90 days
  • 0% Balance Transfers Promo APR for 12 months on transfers made from now until September 30, 2022. 3% fee applies to each transaction. Subject to credit approval.
Intro APR
0% on Balance Transfers
Intro APR Period
12 months
Purchase APR
15.99% - 17.99% Variable
Annual Fee
$0
  • Earn more everywhere you go!
  • 50,000 Bonus Points when you spend $3000 in the first 90 days
  • Up to $799^ total Travel value
  • 4X Points** on all Travel categories for PenFed Honors Advantage Members
  • 3X Points** on all Travel categories
  • 1.5X Points** on all other purchases
  • 0% Balance Transfers Promo APR for 12 months on transfers made from now until September 30, 2022. 3% fee applies to each transaction. Subject to credit approval.
Intro APR
0% on Balance Transfers
Intro APR Period
12 months
Purchase APR
15.99% - 17.99% Variable
Annual Fee
$95 (waived for existing PenFed Honors Advantage Members)
  • Get Rewarded on Everyday Purchases
  • 5x Points** on gas paid at the pump and EV charging stations
  • 3x Points** at the supermarket (including most Target and Walmart locations† ), restaurants, and TV, radio, cable, streaming services
  • 1x Points** on all other purchases
  • 15,000 Bonus Points when you spend $1,500 in first 90 days
  • 0% Balance Transfers Promo APR for 12 months on transfers made from now until September 30, 2022. 3% fee applies to each transaction. Subject to credit approval.
Intro APR
0% on Balance Transfers
Intro APR Period
12 months
Purchase APR
14.49% - 17.99% Variable
Annual Fee
$0
  • Our Lowest-Rate Card
  • Benefits of this gold card include low APR and low promotional balance transfer APR. Go for the gold today!
  • LOW APR on all purchases
  • $100 Bonus Offer Statement Credit when you spend $1,500 in first 90 days
  • 0% Balance Transfers Promo APR for 15 months on transfers made from now until September 30, 2022. 3% fee applies to each transaction. Subject to credit approval.
Intro APR
0% on Balance Transfers
Intro APR Period
15 months
Purchase APR
7.49% - 17.99% Variable
Annual Fee
$0
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