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PenFed Credit Cards Review

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Reviews 1,009

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Michael Graw
Michael Graw
Jul. 03, 20224 min read

Power Cash Rewards Visa Signature® Card 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
Power Cash Rewards Visa Signature® Cardat 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

Power Cash Rewards Visa Signature® Card Power Cash Rewards Visa Signature® Card 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 spend during 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


Rewards Program
Bonus Offer
Interest Rate (APR)
Best For
Power Cash

1.5% cash back

(2% for Honors Advantage members)

$100 when you spend $1,500 in your first 90 days
14.99% - 17.99%
Cash back
Pathfinder

3x points on travel

(4x for Honors Advantage members)

1.5x points on all other purchases

50,000 points when you spend $3,000 in your first 90 days
14.99% - 17.99%¹
Travel rewards
Platinum

5x points on gas purchases at the pump

3x points supermarket and other purchases*

1x points on all other purchases

$100 when you spend $1,500 in your first 3 months
13.49%-17.99%
Gas and groceries rewards
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.

Power Cash Rewards Visa Signature® Card Power Cash Rewards Visa Signature® Card 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.‎

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Power Cash Rewards Visa Signature® Card
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  • author
    Nat
    20 hours ago
    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.

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  • author
    HANNAH
    Jan 01, 1970
    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.

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  • author
    Ahmed Foula
    Jan 01, 1970
    Very bad experience

    Very bad experience

    ...

  • author
    Avis Harrold
    Jan 01, 1970
    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.

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  • author
    David L Riding
    3 days ago
    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!

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  • author
    EILEEN BONFIGLIO
    Jan 01, 1970
    Superior

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

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  • author
    john turpen
    Jan 01, 1970
    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

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  • 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.

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  • 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

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  • 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.

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

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

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

    So far my experience have been great

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

    Application process quick safe

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  • author
    Melville Kidd
    Sep 22, 2022
    Great service

    Excellent communication and easy set-ups.

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

    Easy to apply to

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  • author
    Mari Silva Boschetti
    Sep 18, 2022
    Excellence service

    Excellence service

    ...

  • author
    Rocko Live
    Sep 18, 2022
    PenFed is an excellent financial…

    PenFed is an excellent financial institution. They offered me a credit card with an excellent rate and credit line. I received a pre approved application in the mail and was approved easily. The application process was streamlined. I’ve been with Bank of America for over 20 years and they have never offered me anything. Thanks PenFed!

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  • author
    Christopher Burgess
    Sep 15, 2022
    Application process was amazingly…

    Application process was amazingly efficient and very easy to use.

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  • author
    C Keeper
    Sep 14, 2022
    PenFed is great

    PenFed is great, fast and reliable service. I have been using them for over 20 years. Highly recommended.

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  • author
    Gregory Bryant
    Sep 13, 2022
    Fantastic agent was polite and very knowledgeable and helpful.

    Fantastic agent. The agent was very polite and knowledgeable and helpful.

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  • author
    Navjot
    Sep 12, 2022
    Excellent Bank!!

    Great array of products and services to choose from depending on needs and situations. Really nice website and fast service :)

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  • author
    JIM LANDERS
    Sep 11, 2022
    Best easy service

    Best easy service

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  • author
    Robert
    Sep 11, 2022
    Credit card was approved quickly and…

    Credit card was approved quickly and interest was a bit lower than most.Customer service was very helpful and they have generous rewards program.

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  • author
    rogelio rivera
    Sep 09, 2022
    Excelente servicio

    Servicio de excelencia

    ...

  • author
    Rosemary
    Sep 09, 2022
    PenFed has been incredible to work with…

    PenFed has been incredible to work with and quick to turn a response around to loans, credit cards, etc. One the best banking institutions I have ever had the pleasure of being a member.

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  • author
    Customer
    Sep 06, 2022
    I thought the process with PenFed was…Super Fast and Easy

    I thought the process with PenFed was super easy with easy to follow instructions and a very quick response on status.

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  • author
    Owen
    Sep 06, 2022
    Excellent process

    Excellent process

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  • author
    Brian Chalfin
    Sep 04, 2022
    Quick and easy

    Quick and easy process. The app is user friendly.

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  • author
    Dom Derosa
    Sep 03, 2022
    PenFed's on-line application process…

    PenFed's on-line application process was very easy to navigate. Their website is also very easy to use and provides all the services and information needed. Overall, a great experience!!!

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  • author
    Scott Schumacher
    Sep 01, 2022
    Great rates and excellent system to apply.

    I've never applied for a personal loan online before. Every loan I've gotten took days, sending in documents, information and returning signatures. But geez, I was just checking rates and in a few minutes, I was approved and the money was being deposited. Great rates and great system.

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  • author
    Anthony L Billups
    Aug 31, 2022
    An Awesome Blessing

    An Awesome Blessing, Shalom!

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  • author
    BRIAN
    Aug 31, 2022
    Fantastic people to do business with

    Fantastic people to do business with , excellent customer service , great rates, if you take care of them , they will return the favor and take care of you - Highly trust & recommend !!!!!

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  • author
    Angel Irizarry
    Aug 29, 2022
    Easy simple application

    Easy simple application, super convenients steps to where you want to and excellent rates !!

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  • author
    Terry O'Hora
    Aug 28, 2022
    I recently applied for another credit…

    I recently applied for another credit card from Penfed, and they graciously gave me one. SO easy with their superior online site - such a great Credit Union. So much so that I intend to purchase my 2023 Ford Van thru PenFed!

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  • author
    Jamieson Kittell
    Aug 28, 2022
    Perfect …

    My experience with penfed has been nothing but exceptional great service and pain free application process

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  • author
    Gloria Williams
    Aug 28, 2022
    Excellent service

    Excellent service, ease of use, and competitive rates and wide variety of products

    ...

  • author
    JONI APRIL PENLEY MARRERO
    Aug 27, 2022
    Excellent customer service

    Excellent customer service, always took my calls and assistance with technical issues as the app. Very impressed

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  • author
    moustafa el maghrabi
    Aug 25, 2022
    Trust worse bank

    Trust worse bank

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  • author
    Robin S. Hall
    Aug 25, 2022
    They are not what I consider a…

    They are not what I consider a Reputable Company.

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  • author
    Juliet C. F
    Aug 25, 2022
    Didn't expect a pre-qualified letter.

    Didn't expect a pre-qualified letter. Gave myself a chance to apply. Was so surprised, bank gave a very high credit limit !

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  • author
    Evelyn Goshorn
    Aug 25, 2022
    Easy process

    The process of applying for a credit card was a smooth drive. PenFed did great!

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  • author
    Timothy Sneller
    Aug 24, 2022
    Explination

    Explanation could better

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  • author
    Kim Ramey
    Aug 24, 2022
    Quick & easy process to apply

    Quick & easy process to apply. Exactly what I was looking for.

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  • author
    Eley Gatling
    Aug 24, 2022
    I bestow glowing commendations for…

    I bestow glowing commendations for EXCELLENT customer service, which seems to be the exception rather than the norm during these challenging times. Empathy is a critical universal human characteristic that promotes positive interpersonal relationships.

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  • author
    TonyP
    Aug 24, 2022
    Excellent customer service

    Excellent customer service

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  • author
    Nereida Del Valle
    Aug 24, 2022
    Easy Banking

    I have been with Penfed for over 6 yrs, has been worth it to me.

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  • author
    Rita Fair-Drake
    Aug 22, 2022
    The whole experience online was quick…

    The whole experience online was quick and easy and in less than a minute I was approved.

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  • author
    Gary D
    Aug 22, 2022
    Review the review? Absurd..

    They want me to review the review? How how?

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  • author
    Prakash Parekh
    Aug 21, 2022
    Love the products and services

    Love the products and services

    ...

  • author
    Lorenzo Phillips
    Aug 21, 2022
    I have had a Pen Fed account since 1982…

    I have had a Pen Fed account since 1982 when I enlisted in the Air Force. I have always felt they had my back in my good times and bad. Now that I'm retired I still trust this business.

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  • author
    Syed Ahmed
    Aug 20, 2022
    Very good customer service

    Very good customer service

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  • author
    Stephen S
    Aug 19, 2022
    A company that really understands customer service

    PedFed has really proven to me that they embrace customer service as a cornerstone to their services. They acquired the company I was with prior, who did not have great service. I didn't know what to expect from them, but happily I have experienced superior customer care on every interaction and transaction. They earned my loyalty for sure!

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  • author
    Ron Young
    Aug 18, 2022
    PenFed provided me with with one of my…

    PenFed provided me with with one of my best experiences dealing with a credit union, they made everything relatively easy. The associates were very thorough and helped me with an issue and it's resolution rather quickly. I would definitely recommend them to anyone that has been in the military or that has worked for the government.

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  • author
    Jeremy Monroe
    Aug 18, 2022
    Unprofessional and unorganized

    Unprofessional and unorganized. All I want them to do is take the $ I’m trying to give them. SOMETHING has been wrong on their end for 5 months straight. CS is unbelievably bad. F.F.S…. I’ve never taken the time to give a review for anything.

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  • author
    Lester Williams
    Aug 16, 2022
    I apply for a refinance home loan and…

    I apply for a refinance home loan and it took the 3 month and they still ask me for update bank statements. So I didn’t send the update statement. I think it’s crazy for it to tak 3 month. I would rather you told me NO than to string me alone plus I paid for the appraisal but I can’t do anything

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  • author
    Marcella Eldridge
    Aug 16, 2022
    My husband was approved an indirect car…

    My husband was approved an indirect car loan. His score is 805 with no blips on his credit bureaus. He was a very happy man driving his new to him truck home. A week later he gets an adverse action letter in the mail. We were in the process of refinancing the truck anyway due to the very high interest rate the "loan" had, with zero issues. I had been in banking for better than 35 years and had been a lender. I have never seen or had this done to anyone. This is a terrible way to do business. In this case, borrower beware! You may think you have a loan just to find out you don't.

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  • author
    Edwin
    Aug 16, 2022
    Very satisfied with the service.

    Very satisfied with the service.

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  • author
    Apple Mack
    Aug 15, 2022
    Online application

    Online application was easy and the response was quick. The limit was Generous 🎉

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  • author
    Darryl Gardner Harris
    Aug 14, 2022
    Just had a pleasant experience No…

    Just had a pleasant experience No problems great staff services just a pleasure to work with.

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  • author
    Jennifer Dulay
    Aug 13, 2022
    The whole process was very fast

    The whole process was very fast. Some of the directions weren't clear, but I called and was what to do and the agent stayed on the line until he was sure the problem was solved.

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  • author
    Richard J Rania
    Aug 13, 2022
    Quick and easy.

    The application process was so quick and easy I thought it might be a scam.. It wasn't, it was just a simple application and approval process.

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  • author
    Henry
    Aug 12, 2022
    The worst credit union I have ever…

    The worst credit union I have ever dealt with! My credit scores are well over 800, and I advise folks to stay away from this unprofessional, ridiculous credit union. If you do join, good luck….

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  • author
    Steve Coffman
    Aug 12, 2022
    Credit application

    Never received email on application status. Had to call.

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  • author
    Mimmy Robinsons
    Aug 12, 2022
    Worth it!

    Penfed Credit Union is excellent to do business with. I applied for a MasterCard and was approved immediately. They help improve my credit score. Also I love that I can transfer my cash rewards to my savings account. That was a great incentive for me.

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  • author
    Eddie W
    Aug 11, 2022
    Penfed competitive rates

    Penfed not only offers competitive rates on credit cards and rewards but above average on interest return rates on both saving and CD accounts. If there is ever a question or an issue; there are resources from phone calls to e-mail access. Someone is always there able and willing to help. You always get a prompt response to keep you updated.

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  • author
    Clark Morin
    Aug 11, 2022
    Overall I'm happy with Pen Fed

    Overall I'm happy with Pen Fed, they stay competitive with interest rates fees etc. I would highly recommend them to others.

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  • author
    pat c
    Aug 11, 2022
    Great Loan Rates

    PenFed has always been my GoTo bank for personal loans. Easy access and great rates!

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  • author
    Marsha Wagner
    Aug 10, 2022
    Great card with generous credit limit…

    Great card with generous credit limit and the website is great

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  • author
    ms DJ
    Aug 10, 2022
    I been a customer with PenFed since…

    I been a customer with PenFed since 2021 since I been with the company I have enjoy all the benefits with them and I do highly recommend them to family and friends. Excellent service and easy to use and operate and customer service wonderful. Thank you for always being there, From Denisha Jackson

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  • author
    Edilio Garcia
    Aug 10, 2022
    Excelente

    Excelente. Muy rapida,atencion.

    ...

  • author
    Rodrigo Dos Santos
    Aug 09, 2022
    Awesome credit union

    Awesome credit union , great products and rates , helping the members to get in a better financial situation !!! Love them and not thinking in changing banks !!!!!

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  • author
    Warren Robinson
    Aug 09, 2022
    A great financial institution.

    A great financial institution. Very easy to work with.

    ...

  • author
    Quantum CPA
    Aug 06, 2022
    PenFed is Excellence in Financial Services

    PenFed is my reliable and trustworthy resource for honest, transparent financial services with unbeatable service and pricing

    ...

  • author
    WIsdom Knowledge
    Aug 06, 2022
    Easy Process!

    I saw this company on the internet. I looked at the rates and rewards. I filled out the application which was an easy process, and I was approved within 2 minutes.

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  • author
    Jeffery Thompson Sr
    Aug 05, 2022
    Credit card application

    I applied for a credit card online and while the application was processing, an error screen popped up on my computer. I didn’t know if my application was accepted or didn’t process. I contacted PenFed by message for assistance. Amanda G. responded in less than 24 hours to inform me that I was approved and would be receiving my credit card in 7-10 business days. Excellent service from PenFed and I am truly satisfied!

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  • author
    PHM
    Aug 05, 2022
    Good institution good rates process…

    Good institution good rates process easy.

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  • author
    OM
    Aug 05, 2022
    I highly recommend Pend Fed

    I highly recommend Pend Fed, their customer service agents are prepared to answer any questions and will walk the extra mile. Their credit card interest rate is much lower compared to other companies. Applying will only take a few minutes

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  • author
    Debbie GUICE
    Aug 05, 2022
    Great service

    Great service

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  • author
    JOHN FISCHER
    Aug 04, 2022
    It was very easy to work with this…

    It was very easy to work with this Company.

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  • author
    Damaris Arroyo
    Aug 04, 2022
    Knowledgeable and friendly

    Knowledgeable and friendly

    ...

  • author
    ely jhn
    Aug 02, 2022
    Excellent financial institution

    Excellent financial institution

    ...

  • author
    oscar alejandro
    Jul 31, 2022
    Excelente servicio y muy satisfactoria

    Excelente servicio y muy satisfactoria

    ...

  • author
    Mike
    Jul 30, 2022
    PFCU Ft. Walton Beach FL Branch

    Visited Fort Walton Beach branch and greeted right away. I was helped in less than 5 minutes. Ms. Gelin Ducati took care of all my banking needs in no time. She also gave me her business card in case I have any other issues later on.

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  • author
    Tony Aragones
    Jul 30, 2022
    This was a great experience to apply…

    This was a great experience to apply for a loan with an enterprise, you only do business, you help the people to have success.

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  • author
    Miriam Rodriguez
    Jul 28, 2022
    Excelente servicio y atenciones

    Excelente servicio y atenciones, rápida tramitación del préstamo.

    ...

  • author
    G Doyle
    Jul 24, 2022
    Since I have been a member

    Since I have been a member, I have always had great interactions with the account specialist to which I have spoken. Always friendly, extremely helpful, and professional. Speaking with them makes you feel that they really care about and want to help you with your questions. Whomever is training their service reps, "Is doing an excellent job"! Also being a senior citizen, I can attest that their people are very patient and understanding. I had a small technical problem logging into the loans page while using Microsoft edge. Had no problem when I signed into Chrome. Their service rep helped me all the way thru. The best financial people I have ever delt with.

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  • author
    Dennis Schneider
    Jul 24, 2022
    the process was simple and…

    the process was simple and straightforward...great Credit Union overall.

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  • author
    ZO VEGAS
    Jul 23, 2022
    PenFed is Fan-Freaking-Tastic!!

    Soft pulls, straightforward processes, and better than competitive rates! Awesome credit union!

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  • author
    Carolyn Harris
    Jul 23, 2022
    PenFed is the only one believed in me

    PenFed is the only one believed in me I was struggling to pay my credit cards off every one I tried turned me down but not PenFed the application was easy they gave me a choice of what I can pay monthly I cried now I can save some money I recommend don't give up go to PenFen they will take away all your stressing

    ...

  • author
    Negatorus
    Jul 22, 2022
    Excellent bank

    Easy to use website, very solid rates and good cash back options and perks. Never had a problem with PenFed.

    ...

  • author
    Dina Miller
    Jul 22, 2022
    The Gold credit card offer is very…

    The Gold credit card offer is very competitive. However, I experienced too many website glitches. The application process was nothing close to quick or seamless. When this happens it would be great to speak with someone without long wait times. I was unable to take advantage of the quick approval application it took 2 days to approve my application. Although, I’m disappointed with my application experience my application was approved. I’m waiting to see the outcome of the interest rate. Sigh My credit score: 844

    ...

  • author
    Lisa Oxner
    Jul 22, 2022
    give you a quick turn around for…

    give you a quick turn around for approved

    ...

  • author
    Sharper
    Jul 21, 2022
    Credit Card Application

    Application for Credit Card was quick and I liked how you could see if you pre-qualified without an impact to your credit.

    ...

  • author
    Matt Keefe
    Jul 21, 2022
    Online loan AP was a breeze.

    I like the online service where you can confirm all the credit information online and get a quick conformation of approval was easy.

    ...

  • author
    Carmen Robinson
    Jul 20, 2022
    Amazing service and Awesome Credit…

    Amazing service and Awesome Credit Union !! Thanks Pen Fed !!

    ...

  • author
    Ron F.
    Jul 20, 2022
    Scam Credit Union

    They offer you an account, then after you sign up and get “approved” they place your account on a 6 month hold after you make a deposit. No debit card, no checks nothing. Scam

    ...

  • author
    David L. Pompili
    Jul 20, 2022
    LOGIN NOT ACCOMPLISHED

    numerous calls and verification codes sent .... log in constantly fails different work order numbers for same, persisting issue ..DISGUSTING

    ...

  • author
    Marlinda
    Jul 20, 2022
    Great

    Great! Best service I’ve experienced Thank you

    ...

  • author
    Joseph Mcgonagle Iii
    Jul 18, 2022
    I love PenFed CU

    I love PenFed CU! They make life easy and their application process is perfectly simple for the hectic lifestyle of a family/businessperson on the go!

    ...

  • author
    Nathan Hicks
    Jul 17, 2022
    I like the quick approval but I highly…

    I like the quick approval but I highly disagree with the way they send the cash thru mail. I think that anything with high value should not be sent out via regular usps mail. This makes it very liable to not show up in a mail box. The security level of this is tooooo risky. Having the option of FedEx same or next with signature needs to definitely be an option

    ...

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