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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

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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Community Rating

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In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
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 up to 12 months.

PenFed Promise Visa Card does not offer an introductory rate on new purchases.
PenFed Promise Visa Card Balance Transfers
Description
Balance Transfer APR 11.24% - 17.99%
Introductory Rate 4.99%
Intro APR period (months) 12
PenFed Promise Visa Card Rates & Terms
Description
Balance Computation average daily balance (including new purchases)
Purchase APR 11.24% - 17.99%
Credit Limit N/A
Penalty APR N/A
Cash Advance APR 11.24% - 17.99%
Introductory Rate N/A
Intro APR period (months) N/A

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 Promise Visa 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 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

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

PenFed Promise Visa Card Community Reviews

 

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