PenFed Credit Union
Pentagon Federal Credit Union, one of the country's largest, and unlike most military credit unions anyone can join by opening a $5 savings account. Its Honors Advantage program, earned through military affiliation or a PenFed checking account, unlocks the best rates and fee waivers on its cards.
Application Rules
- ▸Open membership: anyone can join with a $5 share savings account at application
- ▸Honors Advantage status (military service or PenFed checking) upgrades earn rates and waives the Pathfinder fee
- ▸Typically pulls Equifax; membership and card can be approved in a single pass
Tracked PenFed Credit Union Cards
PenFed Pathfinder Rewards Visa SignaturePenFed Credit Union
Premium-style travel perks at a credit-union price, fee waived for many members.
50,000 pts bonus (≈$425)AF: $95Rating: 7.7/10
PenFed Power Cash RewardsPenFed Credit Union
2% everywhere for members who keep a PenFed checking account.
$100 bonus (≈$100)AF: $0Rating: 7.5/10
PenFed Platinum Rewards Visa SignaturePenFed Credit Union
5x gas and 3x groceries including Walmart and Target, for zero annual fee.
15,000 pts bonus (≈$128)AF: $0Rating: 7.4/10
PenFed Gold VisaPenFed Credit Union
No rewards, no fees, just one of the lowest ongoing APRs around.
Special bonusAF: $0Rating: 6.2/10