Last Updated: 10/10/2025
SuperMoney User Recommendation Score +63
Strongly recommended8 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
17.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
17.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
700 - 850
Annual Fee
$0
Number of Reviews
PenFed Gold Visa® Card Review
This is a card issued by PenFed Credit Union. If you're wondering whether PenFed Gold Visa® Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 15 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 15 months.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 17.99%
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. PenFed Gold Visa® Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, identity theft protection, travel accident insurance, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of PenFed Gold Visa
| The Good | The Bad |
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PenFed Gold Visa FAQ
Does PenFed Gold Visa have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Emergency Support
- Zero fraud liability
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for PenFed Gold Visa?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.PenFed Gold Visa® Card has a variable purchase APR of 17.99%. The card has a variable balance transfer APR of 17.99% . It also has a variable cash advance APR of 17.99% .
Note that late payments are subject to an APR of 17.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does PenFed Gold Visa have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 15 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 17.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 15 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does PenFed Gold Visa have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 15 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 15 months.
What are the fees for PenFed Gold Visa?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $28 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does PenFed Gold Visa have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for PenFed Gold Visa?
The customer service number for PenFed Gold Visa is (800) 247-5626.
What is the support contact email for PenFed Gold Visa?
The support contact email for PenFed Gold Visa is info@hq.penfed.org.
How do people rate the customer service and user experience of PenFed Gold Visa?
Overall, PenFed Gold Visa is strongly recommended based on community reviews that rate customer service and user experience.
Does PenFed Gold Visa® Card report your account activity to credit bureaus?
Yes, PenFed Gold Visa® Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does PenFed Credit Union perform a hard credit pull?
Yes, PenFed Gold Visa performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for PenFed Gold Visa
- Visit the website of PenFed Gold Visa.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from PenFed Gold Visa
Hours of Operation
Sunday
Closed
Monday
8:00AM - 4:00PM
Tuesday
8:00AM - 4:00PM
Wednesday
8:00AM - 4:00PM
Thursday
8:00AM - 4:00PM
Friday
8:00AM - 4:00PM
Saturday
Closed
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Other Credit Cards from PenFed Credit Union
Purchase APR
17.99%
Disclaimer popup with additional information
Balance Transfer APR
17.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
17.99%
Disclaimer popup with additional information
Balance Transfer APR
17.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
17.99%
Disclaimer popup with additional information
Balance Transfer APR
17.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +63, or 4.3 on a 5-point rating scale.
+63
-1000+100
No one recommends
Everyone recommends
PenFed Gold Visa® Card Community Reviews
Would you recommend PenFed Gold Visa® Card to your friends?
MS
Mohamed S.
Nov 11, 2023
May or may not recommend
PenFed Gold Visa® Card Credit Card is a solid choice for everyday spending. The cashback rewards are competitive, and the introductory APR offer is a plus. However, the customer service response time could be improved, and the APR after the introductory period is relatively high. Overall, a good option for those focused on cashback benefits.
Gina M.
Nov 9, 2023
May or may not recommend
I love PenFed Gold Visa® Card because of its 0$ annual fee which is a huge benefit especially after having other cards that start to add up in fees. Not to mention the 0% APR makes monthly payments less stressful. Would highly reco - this is a great option!
JM
Joyce M.
Nov 3, 2023
May or may not recommend
I've been using the PenFed Gold Visa Card, and it's great for gas rewards. No annual fee is a bonus, but I'd love to see more exciting rewards for everyday spending.
NS
Natalie S.
Oct 24, 2023
May or may not recommend
The PenFed Gold Visa® Card has been a fantastic addition to my wallet. With its low-interest rates and no annual fees, it's a standout choice for responsible credit card users. The rewards program is straightforward, offering cash back on everyday purchases, adding a little extra to my savings. The card's mobile app and online portal are user-friendly, making it easy to manage my account and make payments. Customer service has ...Show More
MR
Melanie R.
Jul 19, 2023
May or may not recommend
As a young business owner venturing into the world of independent finances, PenFed Credit Union has become a beacon of light in the realm of credit cards. Their commitment to customer satisfaction and tailored consideration for young adults like me have solidified them as my ultimate credit card companion. I am thrilled to share my personal experience and insights, highlighting why PenFed Credit Union's Gold Card is the perfect match ...Show More
Scottmarketing
Jul 17, 2023
May or may not recommend
The PenFed Gold Visa Credit Card offers a solid option for consumers seeking a low-cost card without an annual fee. Although it lacks a rewards program, it compensates with valuable benefits like emergency support, zero fraud liability, and travel accident insurance. The variable APR ranges from 16.99% to 17.99%, with a penalty APR for late payments. The card does provide an introductory 0% APR on balance transfers for 15 months ...Show More
AS
Ashley S.
Jun 22, 2023
May or may not recommend
I haven’t had e penfed gold Visa card, so to a ‘yes ‘ or ‘no’ answer would be extremely misleading and dishonest of me.
BW
Breya W.
Jun 6, 2023
May or may not recommend
The only downfall is there’s no rewards. Usually cards with good apr and requiring good credit scores come with some perks. It’s overall a good card but not worth it to me.
Showing 8 of 8 reviews
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