Looking for PenFed Credit Union Offers?

PenFed Credit Union Credit Card Offers

5
Card Overall Rating
Good/Excellent Credit
  • 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, 3% fee applies to each transaction. Subject to credit approval. 0% introductory APR for 12 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: 17.99%
  • Refer to PenFed.org for Terms/Conditions
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% (12 months on balance transfers made in the first 90 days after account opening)
Ongoing APR
17.99% Variable
Annual Fee
$0
5
Card Overall Rating
Good/Excellent Credit
  • 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, 3% fee applies to each transaction. Subject to credit approval. 0% introductory APR for 12 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: $95 (waived for existing PenFed Honors Advantage Members)
  • Purchase Variable APR: 17.99%
  • Refer to PenFed.org for Terms/Conditions
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% (12 months on balance transfers made in the first 90 days after account opening)
Ongoing APR
17.99% Variable
Annual Fee
$95
5
Card Overall Rating
Good/Excellent Credit
  • 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, 3% fee applies to each transaction. Subject to credit approval. 0% introductory APR for 12 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: 17.99%
  • Refer to PenFed.org for Terms/Conditions
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% Introductory APR for 12 months on balance transfers made in the first 90 days after account opening. Read more
Ongoing APR
17.99% Variable
Annual Fee
$0
5
Card Overall Rating
Good/Excellent Credit
  • Nothing beats zero
  • 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 the first 15 months after account opening. After that, the APR for any unpaid purchase balance and any new purchases will be 17.99% based on your creditworthiness and will vary with the market based on the prime rate. 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: 17.99%
  • Refer to PenFed.org for Terms/Conditions
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% (15 months on balance transfers made in the first 90 days after account opening)
Ongoing APR
17.99% Variable
Annual Fee
$0

PenFed Credit Cards

PenFed Credit Union is federally insured by NCUA and is an Equal Housing Lender. The credit union serves members in the United States and worldwide. PenFed branches are located in the U.S., plus there are locations in Puerto Rico, Japan, Portugal, and Guam.

As a credit card issuer, PenFed offers credit cards for various needs. The selection of PenFed credit cards is fairly small, but most of the offers are no annual fee credit cards that come with relatively low APRs. Each PenFed credit card is designed to meet specific needs. Whether you are looking for a cash back credit card, low balance transfer APRs, or a travel rewards credit card, PenFed has you covered.

Pentagon Federal Credit Union historically had a limited membership. Only military members could join the union and enjoy PenFed products and services. Today anyone can become a PenFed Credit Union member. However, military members can still enjoy additional benefits and perks, including those offered with credit cards. For example, military members can become PenFed Honors Advantage members to earn higher rewards in specific categories or have a credit card annual fee waived.

GET YOUR OFFER MATCH
Check if you're pre-qualified for a credit offer
It takes less than
1 minute
Will not affect your
credit score
Select your credit score:
Have your ever declared Bankruptcy?
Which active bank accounts Do you have?
Debit Card
Credit Card
This tool finds credit offers that suit your situation best. However, only lenders and issuers decide whether you'll be approved or not for an offer.

Not Sure Which Card to Choose?

Ask Our Experts or Read Credit Card FAQs
Now, there are credit cards that let you double your initial credit limit if you practice good financial habits. Double Your Line is a great choice for those looking to establish credit or recover from a poor credit history. The best thing about...
If you applied for the Merrick Bank Double Your Line® Secured Credit Card, your $200 credit line will automatically double to $400 if you make at least your minimum payment on time each month for the first 7 months your account is open. You won’t...
A secured card may be a great option though for getting a credit card and rebuilding your credit as secured cards are usually reported to the credit bureaus – Experian, TransUnion or Equifax. The credit limit on a secured credit card is...
Have a Question About Credit Cards?

User Comments about PenFed Credit Union Credit Cards