| Category | Rate | Type | Cap |
|---|---|---|---|
|
All Other Purchases
The PenFed Gold Visa Card does not earn any rewards or cash back on purchases; it is a no-rewards, low-APR and balance transfer card.
|
0x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
0% Intro APR on Balance Transfers
Balance transfers made within the first 90 days of account opening receive a 0% introductory APR for 15 months; after that, the non-variable APR of 17.99% applies. A 3% balance transfer fee applies to each transfer.
|
Financial | 0% for 15 months |
|
0% Intro APR on Purchases
New cardholders receive a 0% introductory APR on purchases for the first 15 months after account opening, after which the standard variable APR of 17.99% applies.
|
Financial | 0% for 15 months |
|
No Annual Fee
The PenFed Gold Visa Card carries no annual fee for cardholders.
|
Financial |
$0 annual fee
Up to $0
|
|
No Cash Advance Fee
The PenFed Gold Visa Card charges no fee for cash advance transactions.
|
Financial |
$0 cash advance fee
Up to $0
|
|
No Foreign Transaction Fees
The PenFed Gold Visa Card charges no foreign transaction fees, making it suitable for international purchases and travel abroad.
|
Financial |
$0 foreign transaction fee
Up to $0
|
|
SCRA Interest Rate Reduction
Eligible active-duty servicemembers may receive a reduced APR of 6% on pre-service balances under the Servicemembers Civil Relief Act by contacting PenFed.
|
Financial | 6% APR cap for active-duty servicemembers |
|
Auto Rental Collision Damage Waiver
When the full rental cost is charged to the card and the primary insurance is declined, Visa provides collision damage waiver coverage for eligible rental vehicles.
|
Insurance | Complimentary |
|
24/7 Fraud Monitoring
PenFed monitors card activity around the clock and will notify cardholders if suspicious or potentially fraudulent transactions are detected.
|
Security | Complimentary |
|
Visa Zero Liability Protection
Cardholders are not held responsible for unauthorized charges made with their card or account information, provided they report the fraud promptly.
|
Security | Complimentary |
|
Roadside Dispatch
Cardholders have access to Visa's pay-per-use roadside assistance program, which provides services such as towing, tire changing, and jump-starting at pre-negotiated rates.
|
Travel | Pay-per-use (no membership fee) |
|
Visa Traditional Travel & Emergency Assistance
Cardholders have access to Visa's 24-hour travel and emergency assistance services, including referrals for medical, legal, and travel-related emergencies when away from home.
|
Travel | Complimentary |
