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PenFed Credit Cards Review
Reviews 1,363
Power Cash Rewards Visa Signature® Card
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Power Cash Rewards Visa Signature® Card
Power Cash Rewards Visa Signature® Card
Excellent
Reviews 1,363
Michael Graw
Jul. 03, 2022
3 min read
Michael Graw
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® Card at 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 by
Michael 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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See what some costumers are saying about Power Cash Rewards Visa Signature® Card
Power Cash Rewards Visa Signature® Card
Excellent
Reviews 1,363
on
Excellent
84%
Great
5%
Average
1%
Poor
1%
Bad
9%
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richard fuhr
14 hours ago
easy to do banking
easy to do banking
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john valdes
13 hours ago
Not having to jump through hoops
Not having to jump through hoops. But app needs work.
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glenn tomberg
14 hours ago
They actually care about their members…
They actually care about their members and offer great products and services to them.
S
shane schaeffer
2 days ago
POOR CUSTOMER SERVICE
Transferred money out of my local credit union to PenFed, the money immediately left my local account but several days later it is still pending on my PenFed acct. DO NOT RECCOMEND.......
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alfredo rodriguez
2 days ago
Very professional 👍
Very professional 👍
Y
yonas gbout
3 days ago
This company has no respect
This company has no respect. They hang up on the phone When they respond, they're Disrespectful, rude. They said I had to pay 2,500 They said it was my final payment. After 2 months, they said to pay $1,200. I do not recommend this company. This company is a scam. The interest pay $7,000.
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seneca walker
4 days ago
Got My Loan
Was surprise to be able to secure a loan! Happy I did.
C
clarence
6 days ago
The website is very user friendly and…
The website is very user friendly and everything that I needed was available.
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shane walrath
6 days ago
I'm disappointed they tricked me into…
I'm disappointed they tricked me into getting a credit card with what seemed excellent rewards, only to find out the points are not 1 for 1. To get my first $100 cash back card, it cost me 11,760 points. So they are deceiving by saying 5% or whatever cash back, because that is not actually what you get. They devalue your points by 15%!
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warda ira
7 days ago
Don't try this company. I repeat don't ever try this company
Don't try this people, i repeat don't try refinance your car with this people. They will completely destroy you, they will make you miserable. DON'T TRY THIS PENFED CREDIT UNION for your own good. They will not send you no documents, nothing! They will destroy you. Stay away! I had my car for 4 years now and because of the malcommunication, they put a delinquent for the first time in my life in my credit report after i have continually paying, yesterday i found out they changed my payment because they putted an insurance on me and changed my monthly payment. I hate this company. Not talking about the customer service lady who will not even let you speak.i trully regret that i refinanced my car with them. I am full of regrets since i started dealing with this people.
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earl hirata
8 days ago
My application was processed expedient.
My application was processed expedient.
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damon hendrix
8 days ago
I am a Penfed customer but when i did a…
I am a Penfed customer but when i did a pre qualify on a credit card the system froze then i received a hard inquiry im mad and angry called and no help on the phone agent told me to do another inquiry
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jaime
8 days ago
Best rates and great customer service!
I have been a PENFED member for over 20 years. They offer the best rates and have the best customer service. My most recent loan application experience was quick and seamless. Thank you for the great service!
A
anthony martin
8 days ago
Very easy online app and when I called…
Very easy online app and when I called in, the CSR was very helpful and knowledgeable!
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razor's edge
8 days ago
Very poor customer service
I applied for a credit card they said it was under review and contact me 24 to 48 hours. They never contacted me. I have excellent credit, very bad customer service
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maria medina
10 days ago
It was easy to apply and I recibe my…
It was easy to apply and I recibe my answere in minutes.
G
g reyes coriano
11 days ago
Excellent online resources.
I received a pre-qualified promotion for a credit gold card. I sign in, search my offers and complete the information. So fast and easy. In few minutes I have the decision.
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dan guidry
12 days ago
Honest and trustworthy
Honest and trustworthy. They do what they say and help when they can. I made a mistake online and got the date wrong and to make it short, when we fixed it they checked back with me to make sure I was ok and they was there if I needed help.
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david didonato
13 days ago
Misleading rates
Pre approved rate, wanted a set amount for a renovation and was offered 50% more which I did not need. I began completing the application the next day and the credit Union jacks up my rates!
C
carine
14 days ago
Great service and very convenient
Great service and very convenient. Easy to apply for it. Great website as well. Sum up outstanding credit union!
M
mary d crockett
15 days ago
I needed help with replacing a missing card
I needed help with replacing a miss placed card and was quickly taken care of. I was also offered a card that offered me more options and better rates. I appreciate that the associates are so helpful and made my experience less stressful.
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stacey witter
16 days ago
Great company
Great company. Refinanced my car and it was an easy process.
A
albert e burgard jr
16 days ago
Was very well received when I applied for a credit card
Was very well received when I applied for credit card on line.
R
rd
17 days ago
Great customer care team
The customer service reps were helpful and courteous. The application process was simple and easy. It was quick too.
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salvajes de la montaña
17 days ago
Getting my pendfed loan.
My penfed experience was nice and had a fast process.
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sohail afaq
17 days ago
1) Soft inquiries before loan approval…
1) Soft inquiries before loan approval that does not affect credit score 2) Approval within minutes 2) Funds in the account in 2 days Awesome experience with Penfed. Go Penfed
M
mike
15 days ago
Access Blocked
I have been blocked from accessing my account within 1 week of opening. I haven't made any transactions yet. They demand to have a copy of your Social Security card, which no other financial institution has ever asked of me. This is very suspicious. They won't accept a drivers license nor a W2 to prove I am who I am. Do not give out your SSN. It is too easy to have your identity stolen. I DO NOT trust PenFed. DO NOT BANK HERE!!!
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rick wilkins
18 days ago
Transactions within CC accounts has…
Transactions within CC accounts has been horrible. Updates are slow to the point of inaccurate. My linked account has not functioned since last year. Multiple calls, emails have given nothing but lip service. I've been with them for 21 years, IT has been slow, unresponsive and under staffed
M
mike
19 days ago
I do NOT recommend PenFed!
On April 19th, 2023, I applied for a credit card with PenFed and I was approved. I completed the additional paper work needed along with making a deposit to meet all the requirements. Today is May 22nd, 2023 and I have NOT received my credit card. After numerous calls on: April 28th May 3rd May 10th May 19th May 22nd PenFed can't seem to get me a credit card. This has been the WORST 1st time experience with a credit union. At this point, I can NOT recommend doing business with this credit union. This is not a good way to start a banking relationship. I think I will need to take my business elsewhere at this point. Again, I can NOT recommend doing business with PenFed.
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brent hass
19 days ago
My application was handled quickly and…
My application was handled quickly and professionally.
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tomás perez
21 days ago
Great service and comunication from his…
Great service and comunication from his employers.
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floyd coleman
22 days ago
Easy card application and fast decision.
Easy card application and fast decision.
D
dexter miller
22 days ago
Great service and ease of use.
Great service and ease of use.
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vin fortuna
23 days ago
Always a pleasure doing business with…
Always a pleasure doing business with this institution. Unlimited benefits!
P
prince abraham
23 days ago
1.Competitive CD rates
1.Competitive CD rates 2. Rewards Credit cards
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janso
24 days ago
Fast approval and answer right away
Fast approval and answer right away. Great company to work with!
R
ralph
25 days ago
Applied for a loan and was approved…
Applied for a loan and was approved within seconds! Approved me for more then requested!!
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kenyatta williams
a month ago
Disappointment in 1st bad PFCU experience
Never had an issue until recently...Applied for PFCU auto loan using TrueCar Auto Buying on 4/24/23 & approved. Went to dealership to start paperwork & while waiting there, completed auto loan process & started to sign paperwork online from my phone, but at the very end once realized check was going to be mailed hurried out of it hoping it canceled/didn’t complete process. Went into local PFCU branch on 4/25/23 thinking I could sign paperwork there instead & pick up check only to find out I already signed paperwork & had to wait for check to come via mail instead of canceling that check & picking up check, so couldn’t get car that day as planned & had to wait for check (3-5 days). 5days later went back to PFCU branch on 5/2/23 even though hadn’t gotten check to request original to be canceled & to pick up a reissued one. Branch still stated couldn’t cancel check & reissue a new one & couldn’t even trace the check & now needed to wait 7-10 bus days. While still at branch, completed NFCU auto loan application via phone. Was approved for a cheaper rate & for a little more money (no money down needed), picked up the NFCU check & finally picked up my car before dealership closed on 5/2/23. Disliked that I was not immediately notified that by signing approved auto loan paperwork online automatically mails a check and you can't go to the local branch to pick up the check instead. I would definitely let others know not to sign paperwork online if trying to get check & car immediately. And NEVER received the check via mail within the later stated 10 bus days. Who mails huge funds via check in the mail without any type of tracking...makes no sense at all to me. If PFCU wants to continue to mail large checks such as this in the future, I suggest to send it traceable using whatever service & only should take 2-3 days to receive at the most! Although I do have big ticket products at PFCU that I will be keeping, I will definitely reconsider getting any new products in the future.
c
clint
a month ago
quick and simple
quick and simple
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manuel vazquez
a month ago
En espera de la tarjeta
Me enviaron una solicitud de su tarjeta de crédito que por referencia me dicen que es muy buena y no todo el mundo califica
G
gonzo
a month ago
PenFed credit union is awesome!
PenFed credit union is awesome!! They are Very convenient and easy to use. Completely different and better experience than a common bank!!
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alexander carlsen
a month ago
VERY PROMPT
VERY FAST AND PROMT
J
jerry s.
a month ago
Very fast and easy process
Very fast and easy process. Highly recommended. Will use PenFed first always.
D
deb ivey
a month ago
Wonderful service
Wonderful service! Great web page! Easy to look up my accounts.
D
deanna jakubiak
a month ago
I like the lower interest rate PenFed…
I like the lower interest rate PenFed has to offer and being able to transfer my balance for no interest for 18 months. Makes sense to get this card
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dana sweeney
a month ago
The whole experience was simple and…
The whole experience was simple and fast.
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kim pelfrey
a month ago
The loan application process is simple…
The loan application process is simple and easy to fill out. The website is easy to navigate. The whole process took less than 24hrs to get approved.
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laura polk
a month ago
PenFed's Excellence
I like that PenFed is very security conscience. When I needed a loan, they quickly went about helping me. I had been looking for a Credit Card with a low interest rate... PenFed supplied that need quickly and efficiently.
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nadim radwan
a month ago
About your Rates and Services
I have a car Loan very happy with the Way of the payment and interest rate, plus I applied for the Credit Card and paying cash back about 5 %
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yomar ortiz
a month ago
Fast and easy to use.
Fast and easy to use.
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frances chaparro
a month ago
Great overall experience
Great overall experience. Fast applications and response, good options and great rates. Overall great accesibility through the app and very thorough security measures to ensure safety navigation. Will continue to recommend PenFed services.
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michelle butler
a month ago
Outstanding Company
The staff is professional and friendly. The application process is easy.
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priscilla pinkney
a month ago
The credit card application was very quick and easy. The rates were ok as well.
The credit card application was very easy and quick. The rewards look great and I am excited to see how PENFED can help me in the future.
T
tena
a month ago
Great Experience!
Applying for a credit card was very easy and fast with PenFed Credit Union. I will definitely do more business with them. What a great experience!
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lottie goodman
a month ago
Best company ever
I have a personal loan plus waiting the arrival of a low interest credit card. The company is excellent and will work to help with all your needs and have the best rates. Their representatives are very friendly and helpful.
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robert dulany
a month ago
Good for some things, not for speed
Most people read reviews after their bad experiences, and I'm writing one after my bad experience. Just to commiserate. But, I also leave them 4 stars because I've been a customer for over 20 years. If you just use them for what they are good at, then they seem fine. They always had good rates with generous credit limits for credit cards. But today I have no debt at all. I have saved a lot of money to buy a home. And I tried PenFed. Because all the other home vendors act so fast, it took me a while to figure out they just plain weren't responding. It took 7 times longer to get a pre-approval and that was actually meaningless. And then I took a week trying to get a power buyer certificate, but they took no action on that either. Finally I just realized they were never going to be responsive and cancelled the application. What a bad experience and general waste of time.
M
molly mcnally
a month ago
Penfed have very reasonable and…
Penfed have very reasonable and competitive rates. Online process was fast, reliable and very easy to complete with fast results.
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darren wyche
a month ago
The customer service was excellent and…
The customer service was excellent and helpful
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letitia harvey
2 months ago
Awesome rate quick response
I needed help quick and was worried about rates being high with penfed they ensured low rates after 5 months and responded quickly
A
angelf
2 months ago
Applying online is very easy and was…
Applying online is very easy and was able to do it while at work. The website's new look is very easy to follow and read. Almost all I need is in the first screen. Thanks!
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bill w wilson
2 months ago
No brainer
Rates and introductory zero interest for the first 15 mos.
W
wayne g
2 months ago
Great Experience
I received an offer to join PenFed in the mail. After checking its ratings I decided to go ahead. The process was quick and mostly easy, and help was available readily if I had a question. Their rates and policies are outstanding, and their help on those few questions was easy to get and understand. As a finishing touch, the people I spoke with were uniformly friendly and knowledgeable. What a great experience, I recommend Pen Fed without reservation.
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dennis pilot
2 months ago
Mortgage review
Mortgage review. They will not honor their promises. Was told I could do a float down. Waited for rates to drop and contacted them. After discussion we decided on a lender credit instead of reducing the rate. This was over 2 weeks before closing. Right before close I received the final disclosure and the credit was not reflected. Then I am told I shouldn’t have been offered the credit and only a rate change but now it’s too late to make any changes. Escalations was denied. So now I am out money or reduced rate due to incompetence.
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gina heid
2 months ago
Fast and easy to fill out
Fast and easy to fill out
J
jane
2 months ago
Online digital options.
Online digital options.
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gilly b
2 months ago
Good experience This card offered a competitive…
This card offered a competitive interest rate, zero introductory APR fees for the first 15 months, easy online application. Becoming a credit union member will have other banking benefits as well.
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cassandra griffin
2 months ago
I am a new customer the application…
I am a new customer the application process was extremely simple and I am looking forward to seeing what other benefits Penfed has to offer
J
john wolstenholme
2 months ago
loan
your speed. your rates. easy to use.
H
honey
2 months ago
Quick and easy to apply
The application was easy to understand and quick i got my response really fastexcited to be a new member of Penfed
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chris barksdale
2 months ago
The service I received was outstanding
The service I received was outstanding. They completed my request in a timely manner and I appreciated the attention to details.
J
james brady
2 months ago
Excellent rates
Excellent rates. Fast and excellent service.
S
syed chishti
2 months ago
Excellent service.
Professional team.
s
stephen
2 months ago
PenFed Application
Good Organization
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deborah
2 months ago
Excellently Outstanding Customer Service
Excellently Outstanding!
T
tracy miller
2 months ago
Easy app
Easy app , quick pleasing response
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dzu luong
2 months ago
PenFed presentatives are very friendly…
PenFed presentatives are very friendly and helpful.
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richard cretinon
2 months ago
A1 service
A1 service, fast, easy application, would recommend to anyone. Great rates, and resooonce is fast.
A
ahmad salim
2 months ago
A great credit union to have your…
A great credit union to have your financial partnershio
j
jose garc
2 months ago
I Love Penfedddd
I Love Penfedddd
S
steven wolfe
2 months ago
Professional
Professional, efficient n east to talk with n competitive
C
charlie
2 months ago
Credit card
It is great credit card experience
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charles patterson
2 months ago
Ease of application
Ease of application
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wayne floyd
2 months ago
Easy transactions and application
Easy transactions and application
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ernest pouncy
2 months ago
Starting with my first Experience with PenFed
Starting with my first Experience with PenFed, I have been very happy with the overall service for which PenFed has provided for me and my family. PenFed made things possible where other financial services had failed or fallen short. I also found PenFed to have favorable payment plans and very good rates.
G
gene s
2 months ago
Gene S
The simplicity of your processing was very rewarding. I hope we can be doing business for a long time. Thank you Gene S
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timothy “timbobbeanie” strickl
2 months ago
Great CS
The people and the process were absolutely lute fantastic.
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ernesto roman
2 months ago
Very quick and painless process loved…
Very quick and painless process loved the simplicity
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rocky deyton
2 months ago
Great rates
Great rates, good communication. Will be my go to card.
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martin vukovich
2 months ago
Excellent company to work with
They made the whole application experience quick and simple. With almost instant results.
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mario pv
2 months ago
Great products
1 year with penned they have great products.
J
john webster
2 months ago
ease of application/review
ease of application/review, great rates and ease of use
M
manny mayta
2 months ago
Painless….and Good Balance transfer…
Painless….and Good Balance transfer Offer.
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carlos jimenez
2 months ago
PenFed offers great rates on loans
PenFed offers great rates on credit cards and personal loans
A
andrew
2 months ago
Excellent place to do business very…
Excellent place to do business very efficient very friendly excellent products and rates
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adrian campbell
2 months ago
They’re awesome
They’re awesome. Great products and great rates
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robb hadley
2 months ago
Love this company my credit and…
Love this company my credit and checking and auto loan all with PenFed always protects you always
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felicia cleggett
2 months ago
My application process was so easy
My application process was so easy, uploaded a couple of docs and that was it. Sold ch a smooth process.
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joseph la bianco
2 months ago
PenFed app very easy to navigate
The app is very easy to navigate and understand
D
d nelson
2 months ago
My experience was great because the…
My experience was great because the application process was extremely easy and the entire process was very quick. The site is secure as the have many security features in place. The web page is designed well and is very user friendly. Compared to other companies, I feel that their financial rates and interest rates are among the best available.
J
jade
2 months ago
Very good helpful for members
Very good helpful for members, app easy to use and clearly. Good customer services. Low rate loan and high rate reward and saving. Respond fastly when you apply for somwthing and if cant approved something you want then penfed will offer you something similar matching your need. Im feel lucky become a Penfed member. Thank you very much. Ngoc