Pentagon Federal Credit Union Credit Cards

Pentagon Federal Credit Union is a leading credit card issuer that offers personal credit cards with competitive, low APRs and financial tools for easy everyday banking. PenFed’s products are rich on rewards and target customers with strong credit histories. Browse credit cards below.

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Justice x PenFed Power Cash Rewards Visa Signature® Card

Earn Rewards for Supporting Your Favorite Team

Justice x PenFed Power Cash Rewards Visa Signature® Card
  • Regular Purchase APR 16.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 17.99%
  • Cash Advance APR 17.99%
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Excellent , Good
  • Processing Network Visa
Visit Card Site Read Review Terms & Conditions
Date Reviewed: November 09, 2022
Best Benefits
  • No annual fee
  • No foreign transaction fees
  • 2% Cash Back on all purchases for PenFed Honors Advantage Members
  • 1.5% Cash Back on all purchases made with the card
  • $100 Statement Credi when you spend $1,500 in the first 90 days
Rates & Fees
  • Regular Purchase APR: 16.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 17.99%
  • Balance Transfer Transaction Fee: 3% per transaction
  • Cash Advance APR: 17.99%
  • Penalty APR: 17.99% variable based on the Prime Rate
  • Late Payment Penalty Fee: Up to $28
  • Return Payment Penalty Fee: Up to $25
Credit Card Deals
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Reserve a qualifying Norwegian Cruise Line voyage and receive up to a $500 onboard spending credit Norwegian Cruise Line Offer Expires on 12/30/2022 See Details
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$30 off your purchase of $100 or more at Reebok.com Reebok Offer Expires on 12/31/2022 See Details
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20% Off Suites + Premium Benefits in New York City Casa Cipriani Offer Expires on 12/30/2022 See Details
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$130 off plus free shipping at Green Chef Green Chef Offer Expires on 12/31/2022 See Details
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Save $50 of orders $350 or more at Citizen Watch Citizen Watch Offer Expires on 12/31/2022 See Details
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Every 4th Night Free + Premium Benefits in New York City Mr C. Seaport Offer Expires on 12/31/2022 See Details
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Same-day delivery from a variety of stores you love. Shipt Offer Expires on 12/31/2024 See Details

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PenFed Gold Visa® Card

No Annual Fee

PenFed Gold Visa® Card
  • Regular Purchase APR 11.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 17.99%
  • Cash Advance APR 17.99%
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Good , Fair
  • Intro Purchase APR 0% for the first 15 months from account opening date
  • Processing Network Visa
Visit Card Site Read Review Terms & Conditions
Date Reviewed: October 13, 2022
Best Benefits
  • Lowest APR of PenFed credit cards
  • No cash advance fees – ever
  • 0% APR on balance transfer for 12 months
Rates & Fees
  • Intro Purchase APR: 0% for the first 15 months from account opening date
  • Regular Purchase APR: 11.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for the first 15 months from account opening date
  • Balance Transfer APR: 17.99%
  • Balance Transfer Transaction Fee: 3% of the amount of each transfer
  • Cash Advance APR: 17.99%
  • Penalty APR: 17.99%
  • Late Payment Penalty Fee: Up to $28
  • Return Payment Penalty Fee: Up to $25
Credit Card Deals
card
Reserve a qualifying Norwegian Cruise Line voyage and receive up to a $500 onboard spending credit Norwegian Cruise Line Offer Expires on 12/30/2022 See Details
card
$30 off your purchase of $100 or more at Reebok.com Reebok Offer Expires on 12/31/2022 See Details
card
20% Off Suites + Premium Benefits in New York City Casa Cipriani Offer Expires on 12/30/2022 See Details
card
$130 off plus free shipping at Green Chef Green Chef Offer Expires on 12/31/2022 See Details
card
Save $50 of orders $350 or more at Citizen Watch Citizen Watch Offer Expires on 12/31/2022 See Details
card
Every 4th Night Free + Premium Benefits in New York City Mr C. Seaport Offer Expires on 12/31/2022 See Details
card
Same-day delivery from a variety of stores you love. Shipt Offer Expires on 12/31/2024 See Details

Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.

Join today!

PenFed Platinum Rewards VISA Signature® Card

Earn 5X Points Per $1 Points on Gas

PenFed Platinum Rewards VISA Signature® Card
  • Regular Purchase APR 16.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 17.99%
  • Cash Advance APR 17.99%
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Excellent , Good
  • Processing Network Visa
Visit Card Site Read Review Terms & Conditions
Date Reviewed: November 09, 2022
Best Benefits
  • 5X points per dollar spent on gas at the pump and EV charging stations and 3X points on groceries. 1X points on all other purchases
  • 15,000 bonus points when you spend $1,500 in first 90 days of card account opening
  • 0% intro APR on balance transfers for 12 months after account opening
  • No annual fees and no foreign transaction fees
Rates & Fees
  • Regular Purchase APR: 16.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 17.99%
  • Balance Transfer Transaction Fee: 3% of the transfer amount
  • Cash Advance APR: 17.99%
  • Penalty APR: 17.99%
  • Late Payment Penalty Fee: Up to $28
  • Return Payment Penalty Fee: Up to $25
Credit Card Deals
card
Reserve a qualifying Norwegian Cruise Line voyage and receive up to a $500 onboard spending credit Norwegian Cruise Line Offer Expires on 12/30/2022 See Details
card
$30 off your purchase of $100 or more at Reebok.com Reebok Offer Expires on 12/31/2022 See Details
card
20% Off Suites + Premium Benefits in New York City Casa Cipriani Offer Expires on 12/30/2022 See Details
card
$130 off plus free shipping at Green Chef Green Chef Offer Expires on 12/31/2022 See Details
card
Save $50 of orders $350 or more at Citizen Watch Citizen Watch Offer Expires on 12/31/2022 See Details
card
Every 4th Night Free + Premium Benefits in New York City Mr C. Seaport Offer Expires on 12/31/2022 See Details
card
Same-day delivery from a variety of stores you love. Shipt Offer Expires on 12/31/2024 See Details

Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.

Join today!

PenFed Power Cash Rewards VISA Signature® Card

Up to 2% Cash Back on Every Purchase

PenFed Power Cash Rewards VISA Signature® Card
  • Regular Purchase APR 16.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 17.99%
  • Cash Advance APR 17.99%
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Excellent , Good
  • Processing Network Visa
Visit Card Site Read Review Terms & Conditions
Date Reviewed: November 09, 2022
Best Benefits
  • 1.5% cash back on all purchases made with your card 2% cash back for PenFed Honors Advantage members
  • 0% introductory APR on balance transfers for 12 months
  • Earn a $100 statement credit when you spend $1,500 in the first 90 days
  • No annual fees, no foreign transaction fees, no caps, no limits
Rates & Fees
  • Regular Purchase APR: 16.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 17.99%
  • Balance Transfer Transaction Fee: 3% of the transaction
  • Cash Advance APR: 17.99%
  • Penalty APR: 17.99%
  • Late Payment Penalty Fee: Up to $28
  • Return Payment Penalty Fee: Up to $25
Credit Card Deals
card
Reserve a qualifying Norwegian Cruise Line voyage and receive up to a $500 onboard spending credit Norwegian Cruise Line Offer Expires on 12/30/2022 See Details
card
$30 off your purchase of $100 or more at Reebok.com Reebok Offer Expires on 12/31/2022 See Details
card
20% Off Suites + Premium Benefits in New York City Casa Cipriani Offer Expires on 12/30/2022 See Details
card
$130 off plus free shipping at Green Chef Green Chef Offer Expires on 12/31/2022 See Details
card
Save $50 of orders $350 or more at Citizen Watch Citizen Watch Offer Expires on 12/31/2022 See Details
card
Every 4th Night Free + Premium Benefits in New York City Mr C. Seaport Offer Expires on 12/31/2022 See Details
card
Same-day delivery from a variety of stores you love. Shipt Offer Expires on 12/31/2024 See Details

Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.

Join today!

PenFed Promise Visa® Card

$100 Statement Credit After Spending $1,500

PenFed Promise Visa® Card
  • Regular Purchase APR 7.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 17.99% variable based on the Prime Rate
  • Annual Fee None
  • Processing Network N/A
Visit Card Site Read Review Terms & Conditions
Date Reviewed: June 15, 2022
Best Benefits
  • Low APR on balance transfers for 12 months
  • No fees of any kind
  • Competitive regular APR for purchases, cash advances, and balance transfers
Rates & Fees
  • Regular Purchase APR: 7.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 12.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 17.99% variable based on the Prime Rate

PenFed Pathfinder® Rewards Card

Earn Up to 4x Points On Travel Purchases

PenFed Pathfinder® Rewards Card
  • Regular Purchase APR 14.99% to 17.99%, based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.99% to 17.99%, based on creditworthiness and the Prime Rate
  • Cash Advance APR 12.74% to 17.99%
  • Annual Fee None
  • Processing Network N/A
Visit Card Site Read Review Terms & Conditions
Date Reviewed: June 15, 2022
Best Benefits
  • Up to 4x points on all travel purchases (3x points if you’re not a member of PenFed Honors Advantage)
  • $100 annual air travel credit
  • $100 Global Entry fee credit, or $85 TSA Precheck fee credit when you use your card to pay
  • 1.5x points on all other, non-travel purchases
Rates & Fees
  • Regular Purchase APR: 14.99% to 17.99%, based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% promotional balance transfer rate for 12 months on transfers made between now and September 30, 2019.
  • Balance Transfer APR: 14.99% to 17.99%, based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% per transaction
  • Cash Advance APR: 12.74% to 17.99%
  • Cash Advance Transaction Fee: 5% or $5 minimum per cash advance
  • Penalty APR: 17.99% if your minimum is not received within 60 days
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $25

Offer Details

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Expires On:

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About This Offer

Terms & Conditions

Please Note: The details of the offer(s) shown above should not be taken as a guarantee that you will receive the discount/rewards/offer mentioned above. Any information about combined offers and/or rewards should be taken as an estimate only. You may be responsible for completing certain steps at the merchant’s checkout page. Please read the merchant’s full terms and conditions for details.

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About Pentagon Federal Credit Union (PenFed)

Pentagon Federal Credit Union (also known as PenFed) is one of the largest credit unions in the United States. With over $25 billion in total assets as of 2019, PenFed ranks number three in terms of credit unions – and boasts almost two-million members.

PenFed has its headquarters In McLean, Virginia, home to many government employees, members of Congress, and the Central Intelligence Agency.

PenFed Membership Eligibility

Pentagon Federal Credit Union is, as the name suggests, open to new members from those in the military or U.S. government.

Membership in PenFed is open to the following:

  • Active duty members of the U.S. Army, Navy, Marine Corps, Air Force, or Coast Guard
  • Reserve or National Guard members (including retirees)
  • Current or retired civilian employees of the Department of Defense or the United States Public Health Service
  • Current or retired Department of Homeland Security agents
  • Employees or volunteers of the American Red Cross
  • Employees of the Transpotomac Plaza or Canal Center in Alexandria, VA
  • Members of:
    • National Military Fund Association
    • Air Force Association
    • S. Coast Guard Auxiliary
    • Military Officers Association of America
    • Paralyzed Veterans of America
    • United States Army Warrant Officers Association
    • Marine Corps League
    • Navy league of the United States
    • Reserve Officers Association
    • Jewish War Veterans of the United States
    • Veterans of Foreign Wars
    • Vietnam Veterans of America
  • Individuals who are assigned to, work at or receive benefits from, any defense or military-based institution
  • Immediate family of those who are already a PenFed member

PenFed Branch Locations

PenFed currently operates 50 branches for members in the Virginia, Maryland, and Greater Washington D.C. area. There are also branches in other locations, such as San Diego, CA, and Augusta, GA. For a complete list of current PenFed branches and their hours, please visit the FCU’s dedicated locations page.

PenFed members also have access to tens-of-thousands of surcharge-free (fee-free) ATMs across the United States.

FAQs About PenFed Credit Union

Here are answers to commonly asked questions about Pentagon Federal Credit Union:

  • The routing number for PenFed is 256078446.
  • PenFed has very specific membership eligibility criteria. Please see our dedicated section above for more information.

Fed customer service can be reached at 724-473-6333 (724-4PENFED) or 1-800-247-5626 during the following hours:

  • Monday – Friday: 7:00 am to 11:00 pm Eastern Time
  • Saturday: 8:00 am to 11:00 pm Eastern Time
  • Sunday: 9:00 am to 5:30 pm Eastern Time
  • Like other credit unions, deposits in PenFed are insured through the National Credit Union Administration (NCUA) for up to $250,000.

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