Get Rewarded on Everyday Purchases
Annual Fee: $
Purchase Variable APR*: %
Points** on gas paid at the pump and EV charging stations
Points** at the supermarket (including most Target and Walmart locations†), restaurants, and TV, radio, cable, streaming services
Points** on all other purchases
15,000 Bonus Pointsƚ when you spend $1,500 in first 90 days
Introductory Balance Transfer APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. Read More
No Foreign Transaction Fees
Using your PenFed card abroad won’t cost you an extra dime.
Exclusive Offers & Discounts
Check out the latest member-only discounts on a variety of products and services.
Additionally, enjoy special savings and benefits exclusive to Visa Signature. Check out the offers and deals today, including food and wine, shopping, sports, hotels, car rentals entertainment and more.
Access to Luxury Hotel Collection
Unleash the power of your Signature card and enjoy access to luxury hotels around the world. Browse the collection and take advantage of premium offers and discounts.
Cell phone protection
Protect your cell phone every time you pay your bill. When you pay your monthly wireless bill with your covered PenFed credit card, your cell phone is protected for the next calendar month. So, you can be reimbursed if your cell phone is stolen or damaged.
Travel Accident Coverage:
When you purchase your travel ticket with your PenFed credit card, you are eligible to receive coverage for loss of life or limb. This coverage applies to air travel, ferry, cruise ship, train, or bus transportation.
Complimentary concierge service
Visa’s concierge service is available 24 hours a day, 365 days a year for your travel, dining, and entertainment needs. To learn more, visit Visa Signature Concierge.
24/7 Fraud Monitoring
Your account is monitored for transactions that may indicate fraudulent activity, and we may contact you immediately if fraud is suspected.
Security Alerts
Get notified via text, email, and phone if PenFed notices potential suspicious transactions on your account.
$0 Fraud Liability
If your card is lost or stolen, you will not be responsible for unauthorized charges. Click here to learn more.
Card Lock
Easily turn on or off your credit card in seconds to prevent fraudulent use with a few taps if it has been misplaced, lost, or stolen.
Autopay
Set up Autopay for your account and your payments will be made automatically every month.
PenFed Mobile App
Stay on top of your finances with the PenFed mobile app. Download the PenFed Mobile app.
Authorized User
Add an authorized user to your account and track spending by user. Learn more about authorized users.
Digital Wallet
More than just a plastic in your wallet, your card is digital wallet ready for secure mobile, online and in-app purchases. Learn how to set up your Digital Wallet.
24/7 Digital Service
Our online services are available to assist you 24 hours a day. Credit Card Contact Service.
Request Credit line Increase
You can always check or request if you are eligible for the credit line increase by signing at PenFed online.
ANNUAL REWARD POINTS
MONTHLY REWARD POINTS
Redeem your rewards your way
Consider our Digital - Get in Now Visa® reward cards for same-day
delivery, or choose from gift cards available at top brands for
shopping, dining, and entertainment.
Visit our reward catalog to see the great places your PenFed Rewards
can take you if you are planning a trip.
Shop for electronics, children’s items, sporting goods, fashion and
beauty, food and wine, household items, luggage, office supplies and
so much more!
Make the most of your rewards with gift cards! Find the perfect gift
with over 300 gift card brands to choose from. Digital and physical
delivery available.
Other reward options include:
E-Gift Cards | Experiences | Apple Store | Charity
Log onto PenFed.org to start redeeming today!
*Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval.
Credit card applications completed online will require your agreement to receive application notifications and disclosures electronically.
Cardholders may sign up for free electronic statement notification to avoid paying a $ fee for mailed paper statements.
Rate and offers current as of and are subject to change.
**Rewards are available only for new purchases made with the card: cash advances, cash-like transactions, credit card checks, balance transfers, and account fees are excluded and do not earn credit toward rewards. Certain restrictions may apply. Visa® USA determines which transactions are classified as gas purchases paid at the pump and supermarket purchases based on Merchant Category Codes. Military commissaries are supermarkets. Fuel purchases for airplanes and boats receive 1 point per dollar spent. Your card account must be open and in good standing to earn rewards.
†The listed merchants are in no way affiliated with Pentagon Federal Credit Union, nor are the listed merchants considered sponsors or co-sponsors of the rewards program. All trademarks are the property of their respective owners.
±Visa Zero Liability policy covers U.S.–issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit http://www.visa.com/security.
ƚEligible accounts will receive a one-time 15,000 point bonus upon spending $1,500 in qualified purchase transactions within 90 days of account opening. Cash advances, credit card checks, and balance transfers do not qualify as purchase transactions. Please allow 4 weeks to receive the bonus point credit. Account must be open and in good standing to qualify.
Refer to the Program Rules, Terms and Conditions (PDF) for detailed information.
1Your credit line is used to determine if your account qualifies for Traditional or Signature benefits. If your credit line is $5,000 or more then it qualifies for Signature benefits.