PenFed Promise Visa Card is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs.
Last Updated: 10/10/2025
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PenFed Promise Visa Card
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in Credit Cards from PenFed Credit Union
Last Updated: 10/10/2025
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Highlights
Purchase APR (Variable APR)
12.49% - 17.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
12.49% - 17.99%(Verified 06/21/2024)
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Credit Score Range
640 - 850
Annual Fee
$0
PenFed Promise Visa Card Review
PenFed Promise Visa Card is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs. |
This is a card issued by PenFed Credit Union. If you're wondering whether PenFed Promise Visa Card is the right card for you, read on.
Key Takeaways
- Signup bonus. Offers a signup bonus of up to $100.
- APRs: PenFed Promise Visa Card has a variable regular purchase APR that ranges from 12.49% up to 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.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers.
- 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.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of PenFed Promise Visa Card
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PenFed Promise Visa Card FAQ
Does PenFed Promise Visa Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for PenFed Promise Visa 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 Promise Visa Card has a variable purchase APR that ranges from 12.49% up to 17.99%. The card has a variable balance transfer APR that ranges from 12.49% up to 17.99%. It also has a variable cash advance APR that ranges from 12.49% up to 17.99%.
Does PenFed Promise Visa Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 4.99% for a period of 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 12.49% - 17.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 4.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does PenFed Promise Visa 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 Promise Visa Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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.
There is a late fee of up to $0 . Does PenFed Promise Visa 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 Promise Visa Card?
The customer service number for PenFed Promise Visa Card is (800) 247-5626.
What is the support contact email for PenFed Promise Visa Card?
The support contact email for PenFed Promise Visa Card is info@hq.penfed.org.
What is the login page for PenFed Promise Visa Card?
You can access the login page of PenFed Promise Visa Card here.
How do people rate the customer service and user experience of PenFed Promise Visa Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does PenFed Promise Visa Card report your account activity to credit bureaus?
Yes, PenFed Promise 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 Promise Visa 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 Promise Visa Card
- Visit the website of PenFed Promise Visa 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.
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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.
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