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PenFed Credit Cards Review

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Reviews 1,094

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Michael Graw
Michael Graw
Jul. 03, 20224 min read

PenFed Gold summary

PenFed is a national credit union founded in 1935 that offers banking, loans, credit cards, and more. While you need to be a PenFed member to get a credit card, anyone can join by opening a savings account. PenFed has 4 credit cards, all of which come with a 0% promotional APR for balance transfers. Three of the cards offer rewards for spending. You can apply online and get approved in as little as 20 seconds.

Pros

  • Choose from 4 credit cards
  • 0% promotional APR for balance transfers
  • Apply online and get a decision instantly

Cons

  • Requires good to excellent credit score
  • Must open a savings account to become a PenFed member
PenFed Goldat a glance
4.4

Editorial score

Fees

No annual fee, has other fees

4.0

Eligibility (credit score)

Doesn't cover bad credit

4.0

Security

NCUA insured, offers multiple security features

4.0

Customer service

24/7 service with multiple communication options

5.0

Online experience

Excellent site and app with detailed FAQs, help center, and transparency of rates and features

5.0

PenFed Gold PenFed Gold Apply Now

Overview

PenFed is a credit union established in 1935 to serve members of the military. Today, anyone can join PenFed by opening a savings account. The credit union has more than 2 million members and manages more than $25 billion in assets. It offers banking, loans, mortgages, and 4 Visa credit cards. PenFed is Insured by NCUA and is an Equal Housing Lender.

PenFed’s credit cards stand out for their combination of low fees and generous rewards. All of the cards come with Low APR for balance transfers. Rewards can take the form of cash back or points, and the cards offer different levels of rewards for spending categories like gas, groceries, and restaurants. 

PenFed offers 0% APR promotional balance transfer rate for 12 Months on transfers made from now until September 30, 2021. After that, the APR for the unpaid balance and any new balance transfers will be 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.

Suitable for?

PenFed is suitable for a wide variety of people. The promotional APR for balance transfers on all credit cards is a major plus for anyone looking to transfer their balance from another card. In addition, 3 PenFed credit cards offer rewards programs. Three of the cards come with bonuses if you spend at least $1,500 in your first 90 days. 

PenFed Power Cash®

The PenFed Power Cash Rewards Visa Signature® offers a $100 bonus statement credit when you spend at least $1,500 in the first 90 days. All cardholders receive 1.5% cash back on purchases, and PenFed Honors Advantage members receive 2% cash back. To become an Honors Advantage member, you must be an active member of the military or have an active PenFed checking account.

PenFed Pathfinder®

The PenFed Pathfinder® Rewards Visa Signature® is PenFed’s most generous rewards card and is most suitable for travelers. You get 50,000 bonus points when you spend $3,000 in your first 90 days, and the card offers 3 points on travel spending (4 points for Honors Advantage members). All other purchases earn 1.5 points. 

PenFed Platinum®

The PenFed Platinum Rewards Visa Signature® offers extra points on gas purchases at the pump and supermarket purchases. You get 5 points for gas purchases at the pump and electric vehicle charging stations; 3 points for supermarket purchases, restaurants/dining, and cable, satellite and other television/radio/streaming services; and 1 point for all other purchases. The card also comes with a New Acquisition Bonus: 15,000 points after $1,500 spent during the first 3 months of card open date.

PenFed Gold

The PenFed Gold Visa® is a simple credit card that doesn’t offer a rewards program. The main advantage is that the interest rate for purchases on your balance can be as low as 7.49%. You can qualify for a $100 statement credit when you spend $1,500 in your first 90 days.

Card Comparison


Rewords ProgramBonus OfferInterest Rate (APR)Best ForP
PenFed Power Cash®1.5% cash back (2% for Honors Advantage members)$100 when you spend $1,500 in your first 90 days14.99% - 17.99%
Cash back
PenFed Pathfinder®3x points on travel (4x Honors Advantage members) 1.5x points on all other purchases50,000 points when you spend $3,000 in your first 90 days14.99% - 17.99%¹
Travel rewards
PenFed Platinum®5x points on gas purchases at the pump 3x points supermarket and other purchases* 1x points on all other

$100 when you spend $1,500 in your first 3 months
13.49%-17.99%
Gas and groceries rewards
PenFed Gold®None$100 when you spend $1,500 in your first 90 days
7.49% - 17.99%
Low interest rate

*see full PenFed Platinum rewards details detailed in the paragraph above.

The Application Process

You can apply for a PenFed credit card online. To get your credit card, you will need to become a PenFed member by opening a savings account with a minimum deposit of $5, but you can apply and find out if you will be approved without becoming a member. Enter information about yourself, your employment, and your income. You can also add authorized users to your account, and they will receive their own credit cards. PenFed will verify your identity and run a soft credit check, which doesn’t impact your credit score.

Once your application has been submitted, you could get an approval decision and interest rate offer as quick as in 20 seconds. If you accept the offer, PenFed will send your new credit card in 7-10 business days.

Help & Support

PenFed offers customer support by phone, live chat, and through a secure online messaging system. The PenFed website also has detailed help pages that explain how to apply and manage your credit card account.

PenFed’s phone number for customer support is 1-877-856-9690.

Phone call hours: 7 am-11 pm (ET) Monday-Friday, 8 am-11 pm Saturday, and 9 am-5:30 pm Sunday.

Security

Your PenFed credit card is secured with an EMV chip, and you can report your credit card as lost or stolen at any time. PenFed credit cards are also backed by Visa’s Zero Liability Policy*: PenFed's guarantee that you won't be held responsible for unauthorized charges made with your account or account information. You're protected if your Visa credit or debit card is lost, stolen or fraudulently used, online or offline.

FAQ

Do PenFed credit cards work with Apple Pay?

Yes, PenFed Visa cards are compatible with Apple Pay, Samsung Pay, and Google Pay.

How do I redeem points from my PenFed credit card?

You can redeem points earned with your PenFed credit card through Visa’s online points center.

How do I become a PenFed member?

Anyone can become a PenFed member by opening a savings account and depositing at least $5.

PenFed Gold PenFed Gold Apply Now

Conclusion

PenFed offers 4 Visa cards that suit a wide variety of needs. Three of the cards offer rewards for different spending categories, while the fourth comes with an interest rate as low as 7.49% APR. All 4 cards come with a low APR balance transfer promotional offer. You can apply for a PenFed credit card online and get a decision right away. 

Methodology

This review was completed using information from the PenFed website and support documentation.

** Zero liability disclosure: 

Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail.

http://www.visa.com/security.

Michael Graw
Written byMichael Graw

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

PenFed Gold
PenFed Gold
ExcellentReviews 1,094
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Trustpilot reviews

See what some costumers are saying about PenFed Gold
PenFed Gold
ExcellentReviews 1,094
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Excellent
84%
Great
5%
Average
1%
Poor
1%
Bad
9%
  • author
    James Anthony
    Nov 23, 2022
    easy to fill out!excellent survey!

    easy to fill out!

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  • author
    Michael
    Nov 22, 2022
    Quicken online has been blocked

    For many years all were good, till an year ago PenFed has started blocking Quicken online access to download transactions. It was on and off, but from September it's permanent issues. I wasn't able to use Quicken to download any transactions from Penfed CU. This is critical feature for me to track in Quicken all my transactions across all financial institutions.

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  • author
    DANIEL R
    Nov 18, 2022
    PenFed is a great choice!!

    PenFed is honest and has the best interest of their customers at heart. I have only good things to say about this company and the fine people who run it.

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  • author
    Jose
    Nov 17, 2022
    The security on personal information…

    The security on personal information and making sure that I was the one applying for the credit card

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  • author
    Marco A. Chacon
    Nov 16, 2022
    Fast service

    Fast service

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  • author
    Mark Zanger
    Nov 15, 2022
    Disappointed: I was told that they would deposit the…

    I was told that they would deposit the initial $5 dollars to my account "on them" but in succeeding mailings was requested to send that $5 in at my expense.

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  • author
    Ruvic Ann lopez
    Nov 14, 2022
    Best credit union

    Best credit union

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  • author
    Matt
    Nov 14, 2022
    Now Blocking Aggregation Services

    Starting in Jul 2022, Penfed started blocking aggregation, false claiming there is a security issue but not actually working with a major aggregation service (personal capital) to resolve any legitimate concern. When I called, PenFed customer service just said there was nothing that could be done and didn't care how long I had been with them and how much money I have with them (not a small amount--I was using them to manage my household expenses. Closing my accounts and taking my business elsewhere.

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  • author
    John Tomarchio
    Nov 14, 2022
    Fed up! with PenFed.

    PenFed has been worse to deal with than the Federal Government. All impersonal communication and phone robotics. All "sir" and no service. They have been running me around for a month about my application to remove PMI from my mortgage, and now I get an anonymous letter, with no contact info. for that "division", telling me that I never qualified in the first place because of a 5 year "seasoning" requirement. I've been on the phone dozens of times with a dozen reps for over a month, I have exchanged a dozen emails with a case manager (with no telephone contact for her), I have sent a professionally prepared property valuation, and it was all a waste of time from the start! Hours and hours of preparation and frustration for nothing! PenFed made me pre-pay by phone (big phone ordeal!) for an appraiser of their choosing--a company with a one-start customer rating and a dead-end web address--and their feckless appraiser neglected to include a comparable sale 3 months ago on my own street in my own housing development. Instead, he reached back 12 months to a low sale that was part of a estate liquidation, for one of only 4 comparables, and he put a value on my house $30,000 less than the real estate's estimate based on 14 comparables in the last six months. Talk about incomptence, talk about negligence. But it doesn't stop with the appraiser. I sent the real estate agent's report to my Pen Fed case manager, and she has kept me waiting a week on the "form" to "process" my challenge of the appraisal. "Process" is all I get, and now an anonymous letter I just called to complain to Pen Fed Customer Service, and they gave me a 3-day window for a supervisor call-back! It's all robotics: the computer doesn't let me; I have no access; wrong department; the process requires a form; you can't call them, I can't call them, they have to call you--within a week. Worse than the Federal government. It's even in the name, PenFed. Well, I am: fed up

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  • author
    James Chance
    Nov 13, 2022
    Penfed has given me everything I asked for!

    Penfed has given me everything I asked for, with a fare cost. I was in business for a long time and my succes came from caring more about my people than I did my wallet. Sense I retired I've had customers come to my door wanting me to help them, because they trust me. Caring about the people that put food on the table is always more important than your needs.

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  • author
    Nancy Van
    Nov 12, 2022
    The positive reviews on here are true

    The positive reviews on here are true! Penfed really does offer competitive rates and they are nonsense free. They are transparent and competitive. The best part is their customer service. Every representative has been patient, helpful and kind. They have spent time explaining my statements to me when I've had questions. I would say their customer service is comparable with Discover.

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  • author
    walter marhelski
    Nov 12, 2022
    The application was very easy

    The application was very easy, and I had in answer in less than 24 hours. The interest rates are very good also.

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  • author
    Steeven Sunderraj
    Nov 11, 2022
    the wallet amount refund not now happiness is not fetch

    Not fetch my amount

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  • author
    Mark
    Nov 10, 2022
    Customer Service

    On line excess and very forward on documents

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  • author
    janice avant-gaffney
    Nov 09, 2022
    The application process is seamless.

    The application process is seamless.

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  • author
    Jared
    Nov 09, 2022
    Untrustworthy

    I will preface this with the fact I went through a learning curve with this institution, as other banks I refinanced a vehicle with did most of the work, requesting title transfers from the other bank, etc. With them you do most of the legwork, or you pay an insane APR, which they tried to do, causing my payment to increase almost 50%. They straight up lied to me about my direct payment for their GAP policy, and raised my monthly rate from 517 to 539, which at 62 months, more than doubles the cost of the policy itself. After I had proof of payment on my end (which they have to had seen on theirs), they acknowledged the payment, but then tried to sneak back in that $22 monthly increase. They sound less like a CU and more like a penny thieving institution that banks on you messing up the process, so they have an excuse to jack up your payment and keep the money.

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  • author
    José Diaz
    Nov 09, 2022
    very good card

    very good card

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  • author
    Maria Roof
    Nov 08, 2022
    Online transactions quick and efficient

    Many account transactions can be completed online quickly and efficiently. I've been a member for many years and have been 100% impressive with their customer service and competitive rates.

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  • author
    Jonathan Nave
    Nov 07, 2022
    A well balanced institution!

    This company invest in good people and treated me better than family.

    ...

  • author
    L. Wong
    Nov 14, 2022
    A great card with no annual & foreign transaction fee

    PenFed's Platinum rewards Visa signature credit card has no annual fee, no foreign transaction fee which is great to carry this card for foreign travel or purchases made outside of the US, no cash advance fee. The card features fixed point/s rewards between 1-point and 5-points for everything you purchase. There is no need for you to activate on a monthly or quarterly basis, this fixed point system saves time and is effortless to earn your rewards. You earn 3 points for supermarket (including most Walmart and most Target stores; something that all other credit cards have specifically restricted), you also get 3 points to enjoy your meal at your preferred restaurants, selected subscription services are also included in their 3 points reward, you earn 5 points for gas/EV vehicles (which is super for EV owners, not a lot of credit card give rewards or cash back for EV cars as of this writing), you also earn 1 reward point for everything else that does not fall under the other points system, these are all of your other daily expenses. Their card has Visa's enhanced security, their 24/7 service, discounts, points can be redeemed in many ways. But note that I did not see their offer to redeem in statement credit or cash deposit to PenFed account. I hope they will add those in for this card, and remove the fee for balance transfer since they charge an interest rate on balance transfer anyway. To sum up: this is a great card to have for your rewards without the need to remember to activate them just so you can earn those rewards points. This card is hard to beat and is in a higher bracket of card's rewards system, an everyday card to have to reward you for most if not all of your spendings. I can't comment on credit limit, it is a subjective discussion and since it depends on many factors to determine how risky to lend to each individual. But I can say that they offer you a fair enough amount of credit limit or loan amount at the time of their assessment of your credit worthiness. This is an independent review of PenFed Rewards Credit Card, no compensation and no benefit derives from this writing. Also their rewards program may change after the date of this writing. What I described here are current PenFed offerings which includes a welcome bonus of 0% APR for balance transfer with a 3% fee. Please note that I applied for this credit card on October 30, 2022 which is the actual date of experience (and NOT on October 29, 2022 as Trust Pilot's calendar would not accept the correct date, I wonder if it has to do with a Sunday date?, I don't have a clue, just guessing). Review written on November 5, 2022, edited or updated on November 6, 2022.

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  • author
    Laura Parker
    Nov 05, 2022
    What made my experience great is being…RECOGNIZED.

    What made my experience great is being recognized as a reliable customer. They have the best loan and deposit rates, and the best customer service.

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  • author
    RAMON MOTA
    Nov 04, 2022
    They are very fast process to any…

    They are very fast process to any application without many questions.

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  • author
    Thatguy
    Nov 04, 2022
    go somewhere else

    started out great, but after i was in car accident and made them aware of it they still closed my account. I had 120.00 balance with almost a 10k limit. then theres the multiple automated calls everyday even after paying them. do you yourself a favor, go somewhere else

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  • author
    RS
    Nov 03, 2022
    Easy online application

    Easy online application, fees and rates are great. The offer of 0% interest on transfers forward year saves me money immediately.

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  • author
    Pat Walter
    Nov 03, 2022
    Pen Fed is excellent

    Was able to apply and get response within minutes and their site is easy to find out what's available and the options are simple to understand. Would recommend Pen Fed to anyone.

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  • author
    Daun Thomas
    Nov 02, 2022
    Easy to apply

    Easy to apply, quick response no hassle and easy to reach someone if you have questions

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  • author
    David Caldwell
    Nov 02, 2022
    Penfed has the best rates and products…

    Penfed has the best rates and products met my every need. I have experienced nothing but positive professional services in acquiring all my needs whether they be loans or credit cards! I would definitely recommend them!

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  • author
    joseph beckum
    Nov 02, 2022
    Personal loan

    Was simple and user friendly, fast and with a quick response time. loan approved that day and processed the next day.

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  • author
    Lorenzo
    Nov 02, 2022
    PenFed is awesome

    Very easy to navigate during the application for a Credit Card. Rates are very competitive in comparison with other Credit Companies

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  • author
    Jonas
    Nov 01, 2022
    Great service and I will have to…

    Great service and I will have to recommend friends of mine and family members to join

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  • author
    Boogaloo Boogie Dog Rescue War
    Oct 31, 2022
    Why I am amazed to see my funds from a…it was much needed way before the first of the month. That was a Real BONUS!

    Why I am amazed to see my funds from a pension I have in my account 5 days sooner than my other bank. I will now arrange to include my other pensions with PENFED. It was a delight in these hard times to have access to money before end of month. Love you soooo much!

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  • author
    Theron Thomas
    Oct 31, 2022
    Easy application process

    Easy application process. Great lending products. Well established financial institution.

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  • author
    E Arkam
    Oct 30, 2022
    We have a credit card with them and…

    We have a credit card with them and they make it so difficult to pay the balance so that they can charge interest. I have 5 different credit cards and they are by far the WORST.

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  • author
    Christopher Colbert
    Oct 29, 2022
    Fast and Easy!!!

    The application and account setup was intuitive!!!

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  • author
    Jasmin
    Oct 29, 2022
    Do not apply if you got a pre-approved…

    Do not apply if you got a pre-approved letter they just want to run your credit and make you get a bank account with them!!! I applied did not get approved so I called in hopes they could do something but instead the lady was very sneaking she first created a bank account and then helped me with what I was really inquiring for. For it all to just be at the end that I was not approved and all I could do is better with the reason they send in the mail to why I was not approve and reapply again! So way to go just wanted to get a number in creating a bank account for nothing !!

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  • author
    JOE R
    Oct 27, 2022
    Slower process than normal

    Got credit card pre approval in the mail (not the first one I got from PenFed), finally decided to apply for a card. Had to submit further documentation to complete the application. Had to call to find out my approval status & credit limit. Still have yet, to receive email communication in regards to this, days later.

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  • author
    Janet Holsclaw
    Oct 27, 2022
    Impressed

    Really easy to apply! The application was easy-to-use and quick! Was issued a credit line immediately.

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  • author
    Arthur Kidder
    Oct 27, 2022
    The Personnel and PENFED’s ease to do…

    The Personnel and PENFED’s ease to do business.

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  • author
    Samuel
    Oct 27, 2022
    $hit @$$ company

    $hit @$$ company, run away, quickly, run away!!!

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  • author
    Kara
    Oct 25, 2022
    Great customer service

    Great customer service. Easy application and low rates

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  • author
    Martin Perrin
    Oct 25, 2022
    PenFed application was very easy to…

    PenFed application was very easy to fill out and got a quick answer on credit card

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  • author
    Firas Zaia
    Oct 24, 2022
    Pendfed is a solid banking option for…

    Pendfed is a solid banking option for anyone. They offer solid APYs on most accounts and low fees and minimums. it's easy to withdraw and deposit money into most accounts

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  • author
    Robert O
    Oct 23, 2022
    Need a little extra documentation.

    Why fairly easy to apply. But I'm older and not that computer savvy. Need copies of documents and had to upload to my desk top computer. But nothing impossible to do.

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  • author
    Eugene Harris
    Oct 22, 2022
    Great

    Quick and simple application process

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  • author
    Chris McKenzie
    Oct 21, 2022
    Great service and quick response

    Great service and quick response

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  • author
    VEDRIC MORALES
    Oct 20, 2022
    I can't explain not yet

    I can't explain not yet

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  • author
    Billie Sue Baker
    Oct 20, 2022
    Amazing Credit Union

    Amazing Credit Union. Easy application process and very user friendly. I highly recommend this company for your financial needs!!

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  • author
    Adelina Rivera
    Oct 20, 2022
    Very reliable entity.

    Very reliable entity.

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  • author
    Nancy J. Copp
    Oct 20, 2022
    I received a letter from PENFED credit…

    I received a letter from PENFED credit Union offering me a gold visa credit card. I took the time to read it and looked them up online. I decided to apply and was accepted. I showed the letter to two friends and they applied. We are all very impressed and looking forward to our new credit cards.

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  • author
    Susan Jacobs
    Oct 20, 2022
    Great rates purchasing a home credit…

    Great rates purchasing a home credit cards and savings accounts

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  • author
    Bill Petry
    Oct 20, 2022
    Best Credit Union

    PenFed offered low interest rates.Application process was very easy and fast

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  • author
    Brady Burns
    Oct 19, 2022
    Everyone is very friendly and…

    Everyone is very friendly and knowledgeable.

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  • author
    Dan Florio
    Oct 19, 2022
    I have three cards with Penfed

    I have three cards with Penfed. I have great credit limits. I like the cash back options. And customer service is great.

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  • author
    Lin Peters
    Oct 19, 2022
    PenFed is reliable and easy to work…

    PenFed is reliable and easy to work with.

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  • author
    Tommy B
    Oct 19, 2022
    Poor communication

    Poor communication very confusing process

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  • author
    William Locke
    Oct 19, 2022
    First time access

    After reading the credit card offer I tried to apply and it was an extremely process.

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  • author
    Thomas McCoy
    Oct 19, 2022
    Excellent service

    Excellent service Customer service is awesome Highly recommend

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  • author
    Sam Gunderson
    Oct 18, 2022
    Terrible experience with PenFed

    Terrible experience. PenFed has no option for paying the full balance on a home equity loan. I had a $1000 balance, but could not pay $1000 because it would bring the balance to zero. Instead, I had to call customer service (first call was transferred to dead air, second call the reps audio cut out and she never came back on the line). The third call was good as far as audio, but was informed that in order to pay the remaining balance of $6.00, I would need a payoff statement generated and then would have to send in a wire transfer or certified check (each of these has a cost) and that PenFed could not use the saved checking account I had on file - even though they accepted payment from that checking account previously. What the hell is wrong with these people? Stay away from this institution. Do NOT trust them with handling your money or loan. Complete morons.

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  • author
    Mr Anderson
    Oct 17, 2022
    The online approval process was quick

    The online approval process was quick, easy and no surprises! The introductory interest was as described with no last minute changes or exceptions. Great transaction! A++++

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  • author
    Emma Soliman
    Oct 16, 2022
    100/^

    Everything look good and understand all the good benefits u offer about checking and openings credit card.

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  • author
    jose Garc
    Oct 16, 2022
    Great

    Penfed Is great i love it

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  • author
    CaF
    Oct 16, 2022
    Pen Fed was the simplest and convenient…

    Pen Fed was the simplest and convenient credit card I've ever applied for. I'm very happy with amount I was approved for.

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  • author
    James Sorrell
    Oct 16, 2022
    Most Excellent Application Process

    The most simplified and uncomplicated internet application process that I, personally, have ever experienced.

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  • author
    Lisa
    Oct 15, 2022
    No trust left.

    This is the most incompetent and untrustworthy financial institution I have ever seen, and I have experience in the industry. First, you can't see pending transactions. So you can check your balance and think you have a lot more than you actually have, only to have a big bill bounce, costing you more, because there a bunch of little transactions from days ago that you can't see. Or you go to buy something and the card declines, because it actually knows how much money you really have, but for some reason you are not allowed to see that information yourself. Now, this is bad. This is frustrating. This has had us considering going to another primary financial home for a while. It also makes it hard to quickly catch fraud on your account, even if you check it daily. But today . . . today I was as livid as I have ever been, and it was because of PenFed. My husband and I have a joint account. He misplaced his debit card a long time ago, so we've been using just mine. That's fine, it worked for us. But then mine went missing. So we needed a replacement. We wanted to replace his, especially since mine might still show up (pretty sure it is in some nook or cranny of the car, actually). I tried to do this online, but ran into some walls. First, the only option was to send the card to the physical address. But that isn't a safe option, as that mailbox routinely has things stolen out of it. I added a mailing address some time ago, but I couldn't have a card mailed to the mailing address. Yeah, that doesn't make sense to me either. It just said we had to call them about it if our information had changed. So we did. And boy, did we learn some really terrible things. Since this was my husband's card, he made the call. But they wouldn't speak to him. He tried multiple times. They actually blocked his phone. One of them claimed we had no account with them at all. Finally, we got someone who demanded to speak to me. It turns out, when the accounts got merged into Penfed, they mangled his birthdate. This woman told me I was wrong, my husband was wrong, and that wasn't his date of birth. So for an error on their end, they refused to speak to him at all and actually blocked his phone. And of course, this isn't going to be easy to fix because for security reasons they aren't going to tell us the birthdate they have on file or make it easy for us to change it. The nearest branch is about an hour away from home now that they are closing them all, so even going in person would be a huge hassle. So, okay. You are now talking to me, the primary. I have verified all my information (and thank goodness you didn't mangle my birthdate!), and I wish to have another card issued to him at the mailing address. But they claimed the mailing address was not there at all. Only the physical. I pulled up the website, and I could see clearly on my end that we had two different addresses listed, but they kept saying there was only one. So what you see on your end and what they see are not the same. You can change things on your end, but it doesn't really do anything, apparently. She put me on hold for a long time at that point. When she came back, she claimed 2 things: that the new address had populated while we talked (huh? Just now? When I put it in there weeks, maybe months ago?), and that there had been another address in the file instead of the current mailing address. Yeah, we were there. Something like a year and half ago. And she also said nothing about this other address earlier, she had insisted there was only the physical address. Okay, so now you see the mailing address. Please send my husband a new card to it. "No, he has his own profile and we need his ID and a bill in his name." For a reissuance of a debit card he already held, by direction of the primary account holder, we need to give them his ID and a bill. And of course, please remember the nearest branch is an hour away. And also, the birthdate won't match, anyway, so it likely wouldn't even work. So we had to reissue my card, which we will have to wait 7-10 business days for. And if my card is in someone else's hands in the meantime, it's not like I will see those transactions because of the long pending times. And if they actually cancelled my card and issued a new one, many things are going to be messed up. Or if they actually sent it to the wrong place. At this point, I don't have any confidence in them. Also, we have no access to our money without going to a branch an hour away until the new card gets here. And you can't get a card in person, either, even if we made the drive (thankfully we are not on the bus! It would be about 3 hours by bus.) The incompetence is extraordinary. The lack of service and making things as easy as possible for the member is staggering. I opened a new account at a new financial home today, online. Took me far, far less time than dealing with PenFed for what should have been an easy issue.

    ...

  • author
    Clayton Jackson
    Oct 15, 2022
    Trust pen fed so far the best out there

    Everyone in the family uses pen fed the best choice

    ...

  • author
    Les
    Oct 14, 2022
    PenFed Credit Union has great service.

    PenFed Credit Union has great service and a great website.

    ...

  • author
    Anthony Sanders
    Oct 14, 2022
    I am so impressed with a credit union…

    I am so impressed with a credit union such as PenFed, which has given me a chance to prove my credit worthiness.

    ...

  • author
    Gordopr Rivera
    Oct 14, 2022
    Excelente servicio

    Excelente servicio

    ...

  • author
    Fed Up
    Oct 14, 2022
    Good Experience

    Quick, easy, got what I expected

    ...

  • author
    Zaine Ford
    Oct 13, 2022
    Good rates and excellent customer…

    Good rates and excellent customer service.

    ...

  • author
    Hans Alvarado
    Oct 13, 2022
    You’re awesome

    You’re awesome

    ...

  • author
    FRANK WHITE
    Oct 12, 2022
    PenFed

    Great, conditions. interest rate and fees

    ...

  • author
    Frances
    Oct 12, 2022
    Quick and eady application process

    Quick and eady application process

    ...

  • author
    Michael Carter
    Oct 12, 2022
    PenFed is always easy to work with

    PenFed is always easy to work with. They have very competitive rates. I love their customer service.

    ...

  • author
    Gwendolyn Redmond
    Oct 07, 2022
    Professionalism

    Professionalism, knowledge, and understanding of my needs

    ...

  • author
    Miguel Hernandez
    Oct 07, 2022
    Overall it was great

    Overall it was great

    ...

  • author
    Peg C
    Oct 07, 2022
    Trustworthy!!!!

    I applied for a credit card many years ago, great rates, still have it today. I applied for a personal loan several years back, no origination fees, no hassles. I opened a savings account too! I paid off my personal loan a few years ago and have just now applied for another. Simple and easy, no sending my personal information to a zillion companies and no UNNECESSARY Fees. Received all funds within 2 business days. It cost nothing to obtain my loan, no fees and the rates are competitive. Awesome trustworthy company, serving our military veterans and their families.

    ...

  • author
    Keisha Smith
    Oct 06, 2022
    Easy application process and quick…

    Easy application process and quick response turn around time.

    ...

  • author
    Stan
    Oct 06, 2022
    Penn fed offered assistance when other…

    Penn fed offered assistance when other companies rejected and it has helped me build a high credit profile.

    ...

  • author
    Roberto Rodriguez
    Oct 04, 2022
    Excellent choice and good customer service

    Excellent choice and good customer service ,and rates.

    ...

  • author
    Roy
    Oct 03, 2022
    Easy process

    I've been a penfed member for almost a year now and I'm very happy with them. I recently applied for a personal loan and was approved . Application process is quick and easy . I would definitely recommend them to friends and family.

    ...

  • author
    wayne
    Oct 01, 2022
    love the penfed experience easy access…

    love the penfed experience easy access would recommend to anyone

    ...

  • author
    Patricia Allensworth Robert
    Sep 30, 2022
    They will make you a believer and they…

    They will make you a believer and they do take time with you if you don't understand anything

    ...

  • author
    Willie Newson
    Sep 30, 2022
    PFCU is a great financial institution

    PFCU is a great financial institution. Love their products. I have been a member for over 40 years. I have several products. Thanks for your services and financial considerations.

    ...

  • author
    Mike
    Sep 30, 2022
    I just joined PenFed and am very happy…

    I just joined PenFed and am very happy with the communications so far. Looking forward to getting my new platinum card.

    ...

  • author
    Ivete Fernandes
    Sep 29, 2022
    You are treated as GOLD at PENFED!

    At PENFED you are treated as GOLD since you're first applying for Credit Card! very timely response of eligibility, Respect and Trust for your business! I am overwhelmed with such a professionalism! Thank you! Keep up the good work!

    ...

  • author
    Nat
    Sep 29, 2022
    The light in the darkness

    An amazing financial institution that provides prompt, efficient, and fair service. I know this may sound a little hyperbolic but it is deserved. Penfed is the greatest financial institution I have ever had the pleasure of being a member. In fact, they are on par with any institution I have ever did business. The difference is they treat you like family. That is with respect, dignity, and they go the extra mile. I cannot say enough good things to convince you, so I recommend anyone looking for an out of this world financial experience to give them a try for yourself. The proof of the pudding is in the eating as we used to say. They are indeed the pudding you seek. I know, it sounds to good to be true but it is definitely that.

    ...

  • author
    HANNAH
    Sep 28, 2022
    The best Credit Union……

    Penfed does not charge burdensome fees like origination fees etc. They are known for prompt action and customer satisfaction. They are simply the best.

    ...

  • author
    Avis Harrold
    Sep 27, 2022
    Easy approvals with 24 hours and funding

    I needed a personal loan and I went to my go to which is USAA. When I went to their sight I couldn't get the amount of funds that I needed. Their website wasn't user friendly. So then I went to Pentagon Federal Credit Union. To my suprise the entire application process was easy and so was their approval of the funding that I needed. The funds were available with a 24 hour time span. I've never had a process so quick nor easy. For future financial needs the Pentagon Credit Union will be my first choice. Great rates and easy application experience.

    ...

  • author
    David L Riding
    Sep 27, 2022
    It's a Blockbuster!

    I filled out a short application for what I consider a blockbuster of a credit card and less than a week later it's on it's way to me. What I really like is 5% at Gas Stations. At today's prices that is a serious discount! There's also 3% at Supermarkets and Restaurants! I figure that these are things that I have to spend my money on every day, so why not get some of it back each month and write one check for the month for the whole thing! Makes sense to me!

    ...

  • author
    EILEEN BONFIGLIO
    Sep 27, 2022
    Superior

    Superior, secure website design makes any task simple and easy to complete! I was on boarded in under five minutes!

    ...

  • author
    john turpen
    Sep 26, 2022
    Awesome Pended was awesome I was able to apply…

    Pended was awesome I was able to apply and it was easy really professional and courteous

    ...

  • author
    KARLA
    Sep 25, 2022
    Sadie the young lady I spoke to was…

    Sadie the young lady I spoke to was very kind and helpful Process over phone was done quickly and efficiently.

    ...

  • author
    Dr Sylvester Caraway Jr
    Sep 24, 2022
    You Can't Get A Financial Institution…

    You Can't Get A Financial Institution To Be More Awesome. Then PenFed. Thanks PenFed

    ...

  • author
    Juanita Lee
    Sep 24, 2022
    Applying with PenFed was a great…

    Applying with PenFed was a great experience. Fast and easy, awesome rates better than I expected.

    ...

  • author
    Jason Stearns
    Sep 23, 2022
    Excellent Credit Union!!

    Excellent Credit Union with competitive rates and products! Highly recommended.

    ...

  • author
    Ellis Atkins
    Sep 22, 2022
    So far my experience have been great

    So far my experience have been great

    ...

  • author
    Wally Moore
    Sep 22, 2022
    Application process quick safe

    Application process quick safe

    ...

  • author
    Melville Kidd
    Sep 22, 2022
    Great service

    Excellent communication and easy set-ups.

    ...

  • author
    Tessa Lorraine Andrews
    Sep 22, 2022
    Easy as 1 2 3

    Easy to apply to

    ...

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