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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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Showing 5 Cards

Date Reviewed: January 22, 2020

PenFed Promise Visa® Card

PenFed Promise Visa® Card
  • Regular Purchase APR 12.49% 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 12.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
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: 12.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 4.99% 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: 12.49% to 17.99% variable based on creditworthiness and the Prime Rate
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

Date Reviewed: January 21, 2020

PenFed Gold Visa® Card

PenFed Gold Visa® Card
  • Regular Purchase APR 7.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 7.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 17.99%
  • Annual Fee None
  • Credit Needed Good , Fair
  • Processing Network Visa
Best Benefits
  • Lowest APR of PenFed credit cards
  • No cash advance fees - ever
  • 0% APR on balance transfer for 12 months
Rates & Fees
  • Regular Purchase APR: 7.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for the first 12 months from account opening date
  • Balance Transfer APR: 7.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • 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
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

Date Reviewed: August 15, 2019

PenFed Platinum Rewards VISA Signature® Card

PenFed Platinum Rewards VISA Signature® Card
  • Regular Purchase APR 13.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 17.99%
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • 5x points per dollar spent on gas at the pump, and 3x points on groceries. 1x points on all other purchases
  • $100 statement credit, 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: 13.49% 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: 13.49% to 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% per 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
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

Date Reviewed: August 15, 2019

PenFed Power Cash Rewards VISA Signature® Card

PenFed Power Cash Rewards VISA Signature® Card
  • Regular Purchase APR 14.99% to 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.99% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 17.99%
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
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 $1500 in the first 90 days
  • No annual fees, no foreign transaction fees, no caps, no limits
Rates & Fees
  • Regular Purchase APR: 14.99% 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: 14.99% to 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: 3% per 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
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

Date Reviewed: August 13, 2019

PenFed Pathfinder® Rewards Card

PenFed Pathfinder® Rewards Card
  • Regular Purchase APR 12.74% to 17.99%, based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.74% to 17.99%, based on creditworthiness and the Prime Rate
  • Cash Advance APR 12.74% to 17.99%
  • Annual Fee None
  • Credit Needed Good , Fair
  • Processing Network American Express
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: 12.74% 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: 12.74% 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
Credit Card Deals
  • Spend $1,000 or more, get $200 back - Offer Expires on November 30, 2020 - See Details
  • Spend $50 or more, get $10 back - Offer Expires on December 31, 2020 - See Details
  • Spend $35 +, get $7 back. Up to 2 times (total of $14). - Offer Expires on November 15, 2020 - See Details
  • Spend $9.99 or more, get $9.99 back - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

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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:

What is PenFed’s routing number?

  • The routing number for PenFed is 256078446.

Can anyone join PenFed?

  • PenFed has very specific membership eligibility criteria. Please see our dedicated section above for more information.

What are the PenFed customer service hours?

  • PenFed 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

Is PenFed FDIC insured?

  • Like other credit unions, deposits in PenFed are insured through the National Credit Union Administration (NCUA) for up to $250,000.