Pentagon Federal Credit Union Gold Visa Credit Card

Pentagon Federal Credit Union Gold Visa Credit Card Review

This is a rewards card issued by Pentagon Federal Credit Union. If you're wondering whether Pentagon Federal Credit Union Gold Visa Credit Card is the right card for you, read on.

Key Takeaways

• 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.
• Signup bonus. Offers a signup bonus of up to $100 if you spend $1500 within 3 months.
• Competitive APRs. Pentagon Federal Credit Union Gold Visa Credit Card has a variable purchase APR that ranges from 7.49% up to 17.99%.
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. Pentagon Federal Credit Union Gold Visa Credit 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.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Pentagon Federal Credit Union Gold Visa Credit Card

The Good	The Bad
Potentially lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 12 months. No annual fee. Travel accident insurance. No foreign transaction fee. Cardholders can earn rewards on their purchases. Pentagon Federal Credit Union Gold Visa Credit Card reports to multiple credit bureaus.	You don't earn rewards on every purchase. Charges a 3% balance transfer fee.

Pentagon Federal Credit Union Gold Visa Credit Card FAQ

Does Pentagon Federal Credit Union Gold Visa Credit Card have a cash back or rewards program?

Pentagon Federal Credit Union Gold Visa Credit Card is a rewards card.

Pentagon Federal Credit Union Gold Visa Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	$100
Signup Bonus Spend Requirement	$1500
Signup Bonus Spend Period (months)	3 months

What are the Pentagon Federal Credit Union Gold Visa Credit Card benefits?

It provides the following benefits:

• Emergency Support
• Zero fraud liability
• Travel Accident Insurance
• Reports to major credit bureaus

What are the relevant APRs for Pentagon Federal Credit Union Gold Visa Credit 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 lower than average regular APRs.

Pentagon Federal Credit Union Gold Visa Credit Card has a variable purchase APR that ranges from 7.49% up to 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 Pentagon Federal Credit Union Gold Visa Credit Card?

The following fees apply:

• There is no overlimit fee

Pentagon Federal Credit Union Gold Visa Credit Card Fees

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

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Pentagon Federal Credit Union Gold Visa Credit Card report your account activity to credit bureaus?

Yes, Pentagon Federal Credit Union Gold Visa Credit 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 Pentagon Federal Credit Union Gold Visa Credit Card

• Visit the Pentagon Federal Credit Union Gold Visa Credit 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.