VisaPenFed Gold Visa
No rewards, no fees, just one of the lowest ongoing APRs around.
Welcome Bonus
None
No welcome offer, 0% intro APR for 15 months
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
670+
(Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦17.99% ongoing APR, well under the national average
- ✦0% intro APR on purchases and balance transfers for 15 months
- ✦No annual fee and no foreign transaction fee
Why it earns its spot
- +Honest low-rate card for people who carry a balance
- +15-month 0% window on both purchases and transfers
Where it costs you
- −Zero rewards, ever
- −3% balance transfer fee
- −Requires PenFed membership
The Compound Verdict
If you carry a balance, rewards cards are a trap and this is the antidote. Sub-18% ongoing APR with a 15-month runway beats chasing 2% cash back while paying 25% interest. Pay it off, then graduate to a rewards card.
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