Last Updated: 10/10/2025
PenFed Pathfinder Rewards Visa Signature® Card
Claimed
in Credit Cards from PenFed Credit Union
Last Updated: 10/10/2025
SuperMoney User Recommendation Score +80
Strongly recommended5 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
17.99%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
17.99%(Verified 06/21/2024)
Credit Score Range
700 - 850
Annual Fee
$95
Number of Reviews
PenFed Pathfinder Rewards Visa Signature® Card Review
This is a travel card issued by PenFed Credit Union. If you're wondering whether PenFed Pathfinder Rewards Visa Signature® Card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 4x.
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 12 months, which is the average period for 0% APR balance transfer cards.
- 50,000 Bonus Points when you spend $3000 in the first 90 days.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 17.99%
- A 3% balance transfer fee. PenFed Pathfinder Rewards Visa Signature® 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.
- Airport Lounge Access. Benefits like airport lounge access can add luxury to your travel experience.
- Multiple credit card benefits. Includes generous credit card perks, such as airline credit, access to a concierge, emergency support, identity theft protection, purchase security, travel accident insurance, travel assistance, 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 Pathfinder Rewards Card
| The Good | The Bad |
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PenFed Pathfinder Rewards Card FAQ
Does PenFed Pathfinder Rewards Card have a cash back or rewards program?
PenFed Pathfinder Rewards Card is a travel rewards card.
| Description |
Does PenFed Pathfinder Rewards Card have a signup bonus?
Yes. 50,000 Bonus Points when you spend $3000 in the first 90 days.
Does PenFed Pathfinder Rewards Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the PenFed Pathfinder Rewards Card benefits?
PenFed Pathfinder Rewards Visa Signature® Card provides the following benefits:
- Emergency Support
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for PenFed Pathfinder Rewards Card?
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 Pathfinder Rewards Visa Signature® 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 Pathfinder Rewards Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 17.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does PenFed Pathfinder Rewards Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for PenFed Pathfinder Rewards Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $95 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $28 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $95.
Does PenFed Pathfinder Rewards Card 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 Pathfinder Rewards Card?
The customer service number for PenFed Pathfinder Rewards Card is (800) 247-5626.
What is the support contact email for PenFed Pathfinder Rewards Card?
The support contact email for PenFed Pathfinder Rewards Card is info@hq.penfed.org.
How do people rate the customer service and user experience of PenFed Pathfinder Rewards Card?
Overall, PenFed Pathfinder Rewards Card is strongly recommended based on community reviews that rate customer service and user experience.
Does PenFed Pathfinder Rewards Visa Signature® Card report your account activity to credit bureaus?
Yes, PenFed Pathfinder Rewards Visa Signature® 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 Pathfinder Rewards Card 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 Pathfinder Rewards Card
- Visit the website of PenFed Pathfinder Rewards Card.
- 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 Pathfinder Rewards Card
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
$0
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +80, or 4.6 on a 5-point rating scale.
+80
-1000+100
No one recommends
Everyone recommends
PenFed Pathfinder Rewards Visa Signature® Card Community Reviews
Would you recommend PenFed Pathfinder Rewards Visa Signature® Card to your friends?
Syed Muhammad S.
Nov 7, 2023
May or may not recommend
To qualify for this card, membership in the Pentagon Federal Credit Union (PenFed) is required. However, PenFed membership is accessible to a wide range of individuals, including current and former members of the military, government employees, and their families.
JM
Joyce M.
Nov 3, 2023
May or may not recommend
I've been using the PenFed Pathfinder Rewards Visa Signature Card, and it's been a real life changer for me as a traveler. Getting that 25,000-point sign-up bonus and an annual travel credit with no annual fee is really awesome. But, do keep in mind that it's not super international-friendly, which can be a bit of a pain.
NS
Natalie S.
Oct 26, 2023
May or may not recommend
The PenFed Pathfinder Rewards Visa Signature® Card has exceeded my expectations on every front. Its impressive rewards program offers substantial travel benefits with no annual fee, making it an exceptional choice. The card's flexibility in earning points on everyday purchases is a real win, and the redemption options are diverse, providing excellent value. The added perks, like airport lounge access and travel credits, truly enhance the travel experience. The online ...Show More
U
Anonymous
Oct 25, 2023
May or may not recommend
This is a great option for a credit card. It's especially great for traveling. It includes complimentary priority pass airport lounge Annual Membership, $100 Global Entry or $85 TSA Pre-check statement credit, $100 ANNUAL domestic air ancillary travel statement credit,
0% APR balance transfer intro rate on balance transfers for up to 12 months, airline credit,
global entry/TSA Pre✓, identity theft protection, travel accident and travel assistance insurance, no foreign ...Show More
U
Anonymous
May 18, 2023
May or may not recommend
Doubt of I'll get qualified for this card because of my entire before DBm
Showing 5 of 5 reviews
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