PenFed Pathfinder® Rewards Visa Signature® Card

Rewards
50,000 bonus points when you spend $3,000 in the first 90 days
4 x points on all travel categories for PenFed Honors Advantage Members
Annual Fee: $95
0% PROMO APR on balance transfers for 12 months from now until September 30, 2022
Information
Line of credit
$0.00
Interest-free period
-
Annual fee
$95.00
Travel insurance
No
ATM fee
-
Interest
16.49%
Maximum interest rate
18%
Currency Conversion
-

Review of PenFed Pathfinder® Rewards Visa Signature® Card

The PenFed Pathfinder® Rewards Visa Signature® Card is a travel rewards credit card with a competitive rewards program.

If you meet the credit requirements, you can apply for this credit card and take advantage of its cash back rewards, travel-related perks, and competitive 0% introductory APR promotion*.

The Pathfinder® Rewards Visa Signature® Card also offers an automatic travel rewards bonus. When you use the card for any type of travel, you’ll receive a 50% travel bonus.

This means that you’ll receive 4% cash back instead of 2%.

PenFed Pathfinder® Rewards Visa Signature® Card

The PenFed Pathfinder® Rewards Visa Signature® Card offers solid benefits to cardholders who want to earn travel rewards.

Rewards

Here is a summary of the benefits of this rewards card:

  • 50,000 Bonus Points when you spend $3,000 or more in the first 90 days
  • 4x Points on all travel categories for PenFed Honors Advantage Members
  • 3x Points on all travel categories
  • 1.5x Points on all travel purchases
  • 0% Balance Transfers Promo APR for 12 months, 3% fee applies

Travel Benefits

Here are some additional travel perks:

  • $100 Annual domestic air ancillary travel statement credit
  • $100 Global Entry or $85 TSA Pre-check statement credit
  • Complimentary Priority Pass Airport Lounge Annual Membership

The Pathfinder® Rewards Visa Signature® card offers great travel rewards. This can help you save money by reducing your travel expenses.

You can earn 2% cash back on all travel purchases. This includes airfare, hotels, car rentals, parking, and public transportation. This is on top of a regular 1% cash back on all other purchases.

The Pathfinder® Rewards Visa Signature® card also offers an automatic travel rewards bonus. When you use the card for any type of travel, you’ll receive a 50% travel bonus.

This means that you’ll receive 4% cash back instead of 2%.

Earn 10x Points

With the PenFed Pathfinder® Rewards Visa Signature® Card, you earn 10x points for every $1 you spend on gas and supermarket purchases. You’ll also earn 2x points for your everyday purchases, which include everything from grocery stores to restaurants to clothing stores.

Once you’ve earned enough points, redeem them for travel, gift cards and more! There are no blackout dates or limitations on how much money in rewards you can use each year—just keep earning those bonus points and redeeming them whenever it’s time for a trip or some new clothes.

And since your rewards never expire, there’s no reason not to take advantage of this card’s great benefits!

Fees

Here is a summary of the fees:

  • Annual fee: $95 (waived for PenFed Honors Advantage Members)
  • Purchase APR: 16.49% to 17.99% variable APR
  • Balance transfer fee: 3%
  • Foreign transaction fees: None
  • Transaction fees: 3% per transaction
  • Penalty APR: 17.99% if your minimum payment is not received within 60 days
  • Over the credit limit: None
  • Returned payment: Up to $25

No foreign transaction fees
No annual fee for PenFed Honors Advantage Members
No cash advance fee
No over the credit line fee
0% introductory APR promotion*

No Balance Transfer Fees

If you have a balance on another credit card and are looking to transfer it to the PenFed Pathfinder® Rewards Visa Signature® Card, you’re in luck.

PenFed offers a 0% promotional rate for 12 months on transfers made between now and September 30, 2022.

The PenFed Pathfinder® Rewards Visa Signature® Card makes it easy to earn rewards.

The PenFed Pathfinder® Rewards Visa Signature® Card makes it easy to earn rewards. You’ll earn 10x points for gas, grocery, and drugstore purchases (half the rate of all other purchases). Plus there’s no annual fee and no balance transfer fee—or any other fees for that matter!

The card also comes with chip technology that helps keep your information safer. This means that you can use your card at more places worldwide than ever before.

And because it’s a Visa Signature® credit card, you’ll enjoy all of the benefits that come along with a high-end card like this one: $0 annual fee, no cash advance fee, or foreign transaction fees either.

How to Apply for the PenFed Pathfinder® Rewards Visa Signature® Card?

To apply for the Pathfinder® Rewards Visa Signature® card, simply click on the “apply now” button below and see if you qualify.

You’ll need to enter some basic information and select the “Pathfinder Rewards Visa Signature card” option. You can then click “get started” to complete your application.

Summary

If you don’t mind signing up as a member of a credit union, this card has a lot to offer, even when compared to expensive competitors. You can earn at least three points back on travel purchases, and potentially up to four times back. But you’ll still earn at least 1.5 points back on everything else – which is very good for tiered rewards cards – which typically offer just one point back on purchases.

If you travel a lot this card is a great pick for you. If you’re an Honors Advantage member it’s even better as you won’t pay the $95 annual fee.

*0% APR promotional balance transfer rate for 12 Months 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.

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