Card
Network

Visa
Bank

Pentagon Federal Credit Union
Issuing
Country

United States
User
Category

Consumer
Card
Type

Unsecured
Credit
Recommended

Good/Excellent
Interest Rates
Maintenance Fees
Customer Service
Features & Benefits
Reward Program
Card Overall Rating

MAIN CARD FEATURE

Benefits of this gold card include low APR and low promotional balance transfer APR. Go for the gold today!

CARD DETAILS

  • 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
  • 0% Introductory APR on purchases made within the first 15 months after account opening; 0% Balance Transfers Promo APR for 15 months. 3% fee applies to each transaction. Subject to credit approval. 0% introductory APR for 15 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is 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.
  • Annual Fee: $0
  • Purchase Variable APR: 11.49% to 17.99%
  • Refer to PenFed.org for Terms/Conditions
+ Pros
  • Low APR on all purchases.
  • Promo APR on balance transfers.
  • No Annual Fees.
- Cons
  • No intro APR on purchases.

PURCHASES

Intro
APR

N/A
Ongoing
APR

11.49% to 17.99% Variable
Penalty
APR

See Terms
Minimum Grace
Period

At least 25 days
Minimum Interest
Charge

None

BALANCE TRANSFERS

Intro
APR

N/A
Ongoing
APR

17.99% on balance transfers
Balance Transfer
Fee

3% fee applies to each transfer
Penalty
APR

See Terms
Minimum Grace
Period

At least 25 days

CASH ADVANCE

Intro
APR

N/A
Ongoing
APR

See Terms
Cash Advance
Fee

See Terms
Penalty
APR

See Terms
Minimum Grace
Period

At least 25 days

GENERAL FEES

Application Processing
Fee

See terms
Annual
Fee

$0
Foreign Transaction
Fee

None
Late Payment
Fee

See Terms
Card Overall Rating
APPLY
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