Card
Network

Visa®
Bank

Pentagon Federal Credit Union
Issuing
Country

United States
User
Category

Consumer
Card
Type

Unsecured
Credit
Recommended

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

MAIN CARD FEATURE

4X Points** on all Travel categories for PenFed Honors Advantage Membersƚƚ

CARD DETAILS

  • Earn more everywhere you go!
  • 50,000ƚ 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 Membersƚƚ
  • 3X Points** on all Travel categories
  • 1.5X Points** on all other purchases
  • 0% Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval.
  • Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Subject to credit approval. On transfers made from now until September 30, 2022. After that, the APR for the unpaid balance and any new balance transfers will be 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: $95 (waived for existing PenFed Honors Advantage Membersƚƚ)***
  • Purchase Variable APR*: 15.99% to 17.99%
  • Refer to PenFed.org for Terms/Conditions
+ Pros
  • Travel rewards.
  • Sign-up bonus.
  • Travel benefits.
- Cons
  • Annual fee.

REWARDS: Points

Rewards Program
  • 50,000ƚ when you spend $3000 in the first 90 days
  • 4X Points** on all Travel categories for PenFed Honors Advantage Membersƚƚ
  • 3X Points** on all Travel categories
  • 1.5X Points** on all other purchases
Rewards Bonus
50,000ƚ when you spend $3000 in the first 90 days
Redemption Options
Redeem your Platinum Reward Points for travel, gift cards or shop with reward points.µ

PURCHASES

Intro
APR

N/A
Ongoing
APR

15.99% to 17.99% Variable
Penalty
APR

See Terms
Minimum Grace
Period

At least 25 days
Minimum Interest
Charge

None

BALANCE TRANSFERS

Intro
APR

0% promotional balance transfer rate for 12 Months
Ongoing
APR

17.99%
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

$95
Foreign Transaction
Fee

None
Late Payment
Fee

See Terms
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