PenFed Pathfinder Rewards Visa Signature® Card

PenFed Pathfinder Rewards Visa Signature® Card Review

This is a rewards card issued by PenFed Credit Union. If you're wondering whether PenFed Pathfinder Rewards 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% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 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.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 17.99%
• 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 protection, travel accident insurance, travel assistance, and fraud protection.
• Good or better credit required. You will have low approval odds if your credit score is below 700.

Pros & Cons of PenFed Pathfinder Rewards Card

The Good

The Bad

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. Multiple credit card perks. Airline Credit. Access to a concierge. Global Entry/TSA Pre✓®. Identity Theft Protection. Travel accident and travel assistance insurance. No foreign transaction fee. Cardholders can earn rewards on their purchases. PenFed Pathfinder Rewards Visa Signature® Card reports to multiple credit bureaus.

Higher than average purchase APRs. You need good credit to qualify. Charges an annual fee of $95 You don't earn rewards on every purchase. Charges a 3% balance transfer fee.

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.

PenFed Pathfinder Rewards Card Rewards

Minimum rewards rate	1.5x
Max rewards rate	4x
Annual rewards limit	N/A
Signup Bonus ($)
Signup Bonus (Points/Miles)	50000
Signup Bonus Spend Requirement	$3000
Signup Bonus Spend Period (months)	3 months

What are the PenFed Pathfinder Rewards Card benefits?

It 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 is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher 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.

What are the fees for PenFed Pathfinder Rewards Card?

The following fees apply:

• There is no overlimit fee

PenFed Pathfinder Rewards Card Fees

Fees	Amount
Annual Fee	$95
Overlimit Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	up to $25
Late Payment Fee	up to $28

Does PenFed Pathfinder Rewards Visa Signature® Card report your account activity to credit bureaus?

Yes, PenFed Pathfinder Rewards Visa Signature® Card reports your account activity to the following credit reporting agencies:

• 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 improve your credit.

How to apply for PenFed Pathfinder Rewards Card

• Visit the PenFed Pathfinder Rewards Card website.
• 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.