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  PenFed Promise Visa Card

PenFed Promise Visa Card

in Personal Credit Cards from PenFed Credit Union

Unaffiliated

PenFed Promise Visa Card

Unaffiliated

in Personal Credit Cards from PenFed Credit Union

SuperMoney Net Recommendation Score 0% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

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Highlights
Highlights
Community Rating Mostly recommended
Annual Fee $0
Purchase APR  (Variable APR) 11.24% - 17.99%
Balance Transfer APR  (Variable APR) 11.24% - 17.99%
Credit Score Range 640 - 850

PenFed Promise Visa Card Review

PenFed Promise Visa Card is a credit card issued by PenFed Credit Union. 

This card is designed for people with fair credit. The minimum credit score to apply is 640. If you're wondering whether PenFed Promise Visa Card is the right card for you, read on. This is everything you need to know to make a good choice.

Is there a PenFed Promise Visa Card cash back or rewards program?

No, PenFed Promise Visa Card does not offer a rewards program.

PenFed Promise Visa Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

What are the PenFed Promise Visa Card benefits?

PenFed Promise Visa Card provides the following benefits:

  • Fraud Liability
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for PenFed Promise Visa Card?

PenFed Promise Visa Card has a variable purchase APR that ranges from 11.24% up to 17.99%. The card has a variable balance transfer APR that ranges from 11.24% up to 17.99%.

It also has a variable cash advance APR that ranges from 11.24% up to 17.99%.

Does PenFed Promise Visa Card have an introductory APR offer?

Yes, PenFed Promise Visa Card offers an introductory APR rate on balance transfers of 4.99% for a period of 12 months.

PenFed Promise Visa Card does not offer an introductory rate on new purchases.
PenFed Promise Visa Card Rates & Terms
Purchase APR 11.24% - 17.99%
Balance Transfer APR 11.24% - 17.99%
Cash Advance APR 11.24% - 17.99%

What are the PenFed Promise Visa Card fees?

The following fees apply to PenFed Promise Visa Card:

  • There is no overlimit fee
    PenFed Promise Visa Card Fees
    Fees Amount
    Annual Fee $0
    Overlimit Fee $0
    Foreign Transaction Fee 0%
    Returned Payment Fee $0
    Late Payment Fee $0

    Does PenFed Promise Visa Card have a foreign transaction fee?

    PenFed Promise Visa Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

    Does PenFed Promise Visa Card report your account activity to credit bureaus?

    PenFed Promise Visa 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 can help improve your credit score.

    How to apply for PenFed Promise Visa Card

    • Visit the PenFed Credit Union website.
    • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
    • Check the information is accurate and submit your application.
    • If you're denied click here to find out why your application may have been rejected and what you can do about it.

    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...
  • Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      Available in 50 states and Washington, D.C.
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • Washington, DC
    • Florida
    • Georgia
    • Hawaii
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Vermont
    • Virginia
    • Washington
    • West Virginia
    • Wisconsin
    • Wyoming

    Feature Breakdown

    Returned Payment Fee $0
    No Interest Grace Period for Late Payment 25
    Over-Limit Fee $0
    Minimum Interest Charge $0
    Annual Fee $0
    Late Fee Amount $0
    Foreign Currency Transaction Fee 0%
    No Annual Fee  
    No Foreign Transaction Fee  
    Minimum Age 18
    Credit Score Range 640 - 850
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Customer Type Personal
    Credit Card Benefits
    • Fraud Liability
    • Identity Theft Protection
    Purchase APR (Variable APR) 11.24% - 17.99%
    Cash Advance APR (Variable APR) 11.24% - 17.99%
    Balance Computation average daily balance (including new purchases)
    Balance Transfer APR (Variable APR) 11.24% - 17.99%
    Introductory Rate 4.99%
    Intro APR period 12

    PenFed Promise Visa Card Community Reviews

     
     

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    Credit Score Range

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    Balance Transfer APR 11.24% - 17.99%
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    Credit Score Range 700 - 850     300 850