PenFed Credit Union Credit Card Rates

How PenFed Credit Union’s credit card rates compare

Compared with banks and credit unions near Washington, DC-VA-MD-WV, where PenFed Credit Union has the most branches. Ongoing purchase APR, lowest first.

This credit union’s lowest
PenFed Credit Union
17.99%APR
Up to
—
PenFed Power Cash Rewards Visa Signature Card
Lowest rate
American Broadcast Employees FCU
6.99%APR
Up to
—
American Broadcast Employees FCU rates
2nd-lowest rate
IDB Global Federal Credit Union
7.00%APR
Up to
18.00% APR
IDB Global Federal Credit Union rates

Compare credit card rates near you →

Credit card score

Higher than 2% of U.S. banks and credit unions

By rate

Purchase APRPurchase APR17.99%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where PenFed Credit Union ranks

By credit card score, in each area where it has branches

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Every rate

Current credit card rates

Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.

PenFed Defender Rewards Visa Signature Card

Variable APR based on creditworthiness. No annual fee. Balance transfer intro offer for 12 months subject to credit approval.

Applies to	APR	Annual fee	Conditions
Ongoing	17.99%	None	Purchase variable APR 17.99% based on creditworthiness. Annual fee is $0.
Intro, 12 months	0.00%	None	0% introductory APR for 12 months on balance transfers made in the first 60 days after account opening. 3% balance transfer fee applies.

Sources (1)

penfed.org/credit-cards · captured Oct 15, 2026

PenFed Gold Visa Card

Signature benefits apply to credit lines $5,000 and above; Traditional card benefits apply to credit lines below $5,000. $2.00 fee for mailed paper statements waived with free electronic statement notification. Rates are based on creditworthiness.

Applies to	APR	Annual fee	Conditions
Ongoing	17.99%	None	Purchase variable APR after introductory period ends; varies with the market based on the Prime Rate.
Intro, 15 months	0.00%	None	0% introductory APR for 15 months on purchases made the first 15 months after account opening. After that, purchase APR is 17.99% variable based on Prime Rate.

Sources (1)

penfed.org/credit-cards/gold-visa · captured Oct 15, 2026

PenFed Pathfinder Rewards Visa Signature Card

Requires Good/Excellent Credit. $2.00 fee for mailed paper statements waived with free electronic statement notification. Earn 4X points on travel for Honors Advantage Members (3X for others), 3X points on dining (2X for others), and 1.5X points on all other purchases. 50,000 bonus points after spending $3,000 in first 90 days. Complimentary Priority Pass airport lounge membership.

Applies to	APR	Annual fee	Conditions
Ongoing	17.99%	$95	Purchase variable APR based on creditworthiness. Annual fee is $95.
Intro, 12 months	0.00%	$95	0% introductory APR for 12 months on balance transfers made in the first 60 days after account opening. 3% balance transfer fee applies to each transfer. After introductory period, non-variable APR is 17.99%. Subject to credit approval.

Sources (1)

penfed.org/credit-cards/pathfinder-rewards-visa · captured Oct 15, 2026

PenFed Platinum Rewards Visa Signature Card

Requires Good/Excellent Credit. Signature benefits apply to credit lines $5,000 and above; Traditional card benefits apply below $5,000. $2.00 fee for mailed paper statements waived with free electronic statement notification. Earn 5X points on fuel and EV charging, 3X points at supermarkets and restaurants, and 1.5X points on all other purchases. 15,000 bonus points after spending $1,500 in first 90 days.

Applies to	APR	Annual fee	Conditions
Ongoing	17.99%	None	Purchase variable APR based on creditworthiness.
Intro, 12 months	0.00%	None	0% introductory APR for 12 months on balance transfers made in the first 60 days after account opening. 3% balance transfer fee applies to each transfer. After introductory period, standard non-variable APR is 17.99%. Subject to credit approval.

Sources (1)

penfed.org/credit-cards/platinum-rewards-visa · captured Oct 15, 2026

PenFed Power Cash Rewards Visa Signature Card

Requires Good/Excellent Credit. Signature benefits apply to credit lines $5,000 and above; Traditional card benefits apply below $5,000. $2.00 fee for mailed paper statements waived with free electronic statement notification. Earn 1.5% cash back on all purchases, or 2% cash back for PenFed Honors Advantage Members. $100 bonus statement credit when spending $1,500 in the first 90 days.

Applies to	APR	Annual fee	Conditions
Ongoing	17.99%	None	Purchase variable APR based on creditworthiness.
Intro, 12 months	0.00%	None	0% introductory APR for 12 months on balance transfers made in the first 60 days after account opening. 3% balance transfer fee applies to each transfer. After introductory period, standard non-variable APR is 17.99%. Subject to credit approval.