{"card":{"slug":"penfed-gold","name":"PenFed Gold Visa","issuer":"penfed","currency":"None"},"status":"recent","lastVerified":"2026-10-12","officialSource":"https://www.penfed.org/credit-cards/gold-visa","history":[{"date":"2023-01","bonus":0,"spend":0,"months":0,"note":"No welcome offer"},{"date":"2026-06","bonus":0,"spend":0,"months":0,"note":"No welcome offer, 0% intro APR for 15 months"},{"date":"2026-10-12","observedOn":"2026-10-12","bonus":0,"spend":0,"months":0,"note":"No welcome offer; 0% intro APR for 15 months on purchases and balance transfers (3% balance transfer fee)","sourceUrl":"https://www.penfed.org/credit-cards/gold-visa","sourceLabel":"PenFed Gold Visa product page"}],"verificationEvents":[{"id":"5b018938-2365-4fdd-862b-b7ddc88b6c26","entityType":"card","slug":"penfed-gold","checkedAt":"2026-10-12T00:00:00.000Z","recordedAt":"2026-10-12T13:11:11.785Z","sourceUrl":"https://www.penfed.org/credit-cards/gold-visa","sourceLabel":"PenFed Gold Visa product page","outcome":"confirmed","summary":"0% intro 15 months on purchases and BT (3% fee), 17.99% APR, $0 fee, no FTF confirmed; cell phone protection added","changedFields":["benefits"],"facts":{"annualFee":0,"apr":"17.99%"},"previousHash":"f2bd62830970db9244681f94d43cdb01dabdd31439e0eca74a4470684d63c26f","recordHash":"7272e6c38dd8abb79862fb799edecb6edb5df9ae279cd934e0138f17bfbcf913"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}