| Category | Rate | Type | Cap |
|---|---|---|---|
|
Travel
Earned on all travel category purchases (airfare, hotels, car rentals, cruises, tolls, bus lines, taxis, rideshare) for PenFed Honors Advantage members only.
|
4x | Points | No cap |
|
Travel
Earned on all travel category purchases (airfare, hotels, car rentals, cruises, tolls, bus lines, taxis, rideshare) for non-Honors Advantage cardholders.
|
3x | Points | No cap |
|
Dining
Earned on all dining category purchases for PenFed Honors Advantage members only.
|
3x | Points | No cap |
|
Dining
Earned on all dining category purchases for non-Honors Advantage cardholders.
|
2x | Points | No cap |
|
All Other Purchases
Flat 1.5 points per dollar earned on all non-bonus purchases for all cardholders regardless of Honors Advantage status.
|
1.5x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Annual Air Travel Ancillary Credit
Cardholders receive up to $100 in annual statement credits for domestic air ancillary travel expenses, including baggage fees, lounge access, and onboard food and drinks.
|
Credits |
Up to $100/year
Up to $100
|
|
Global Entry Application Fee Credit
Cardholders receive a statement credit of up to $120 toward the Global Entry application fee when charged to the card, available once every four years.
|
Credits |
Up to $120 every 4 years
Up to $120
|
|
TSA PreCheck Application Fee Credit
Cardholders receive a statement credit of up to $85 toward the TSA PreCheck application fee when charged to the card, available once every four years.
|
Credits |
Up to $85 every 4 years
Up to $85
|
|
0% Intro APR on Balance Transfers
New cardholders receive a 12-month 0% introductory APR on balance transfers; after the promotional period, the standard variable APR of 17.99% applies. A 3% balance transfer fee applies.
|
Financial | 0% for 12 months |
|
No Annual Fee for Honors Advantage Members
PenFed Honors Advantage members (active-duty military, veterans, or those with a PenFed Access America checking account) have the $95 annual fee waived entirely.
|
Financial |
$95 annual fee waived
Up to $95
|
|
No Foreign Transaction Fees
The card charges no foreign transaction fees on purchases made outside the United States, making it suitable for international travel and purchases.
|
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 primary insurance is declined, cardholders are protected for physical damage, theft, reasonable towing charges, and loss-of-use charges on eligible rental vehicles.
|
Insurance | Complimentary |
|
Cell Phone Protection
Cardholders receive cell phone protection coverage when they pay their monthly cell phone bill with the PenFed Pathfinder card, covering damage or theft of the phone.
|
Insurance | Complimentary |
|
Extended Warranty Protection
Eligible purchases made with the card receive an extension of the original manufacturer's warranty on qualifying items.
|
Insurance | Complimentary |
|
Travel Accident Insurance
Cardholders are covered by travel accident insurance for eligible purchases of air, bus, train, or cruise tickets charged to the card.
|
Insurance | Complimentary |
|
Visa Signature Concierge Service
Cardholders have 24/7 access to Visa Signature Concierge service for assistance with travel bookings, dining reservations, event tickets, and other personal requests.
|
Lifestyle | Complimentary |
|
Enhanced Travel Rewards for Honors Advantage Members
PenFed Honors Advantage members earn 4x points per dollar on all travel category purchases and 3x points per dollar on dining, compared to 3x travel and 2x dining for non-members.
|
Rewards | 4x points on travel, 3x on dining |
|
24/7 Fraud Monitoring
PenFed monitors card accounts around the clock and will notify cardholders via text, email, or phone if potentially suspicious or 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 fraud is reported promptly.
|
Security | Complimentary |
|
Priority Pass Select Airport Lounge Access
Cardholders receive a complimentary Priority Pass Select annual membership providing access to 1,200+ VIP airport lounges worldwide; lounge visit fees apply per visit.
|
Travel | Complimentary membership |
|
Roadside Dispatch
Cardholders have access to Visa's pay-per-use roadside assistance program providing pre-negotiated rates for towing, tire changing, jump-starting, and other roadside services.
|
Travel | Pay-per-use (no membership fee) |
|
Trip Delay Reimbursement
When a trip is delayed more than 12 hours, cardholders are reimbursed for reasonable expenses (meals, lodging, etc.) up to $300 per purchased ticket.
|
Travel |
Up to $300 per ticket
Up to $300
|
|
Visa Signature Luxury Hotel Collection
Cardholders have access to a curated collection of luxury hotels worldwide with exclusive benefits, upgrades, and premium offers through the Visa Signature Luxury Hotel Collection.
|
Travel | Complimentary |
