The PenFed Gold Visa® credit card offers you a chance to pay a lower interest rate if you carry a balance, and the application process is online.

It is your opportunity to get your debt under control and start getting out of it.

As a rule, you do not want to carry a balance ever. But if it is unavoidable, you want to pay as little interest as possible. We are going to help you do that with our application guide below.

Applying for the PenFed Gold Visa® credit card is very simple. If you are ready to apply, keep reading the section below and we will show you how.

Go to PenFed’s website and find the “Credit Cards” option on the main page. On your desktop computer you can find it right in the top center of the page.

Run your mouse cursor over it to reveal a dropdown menu, and then click on “Credit Cards Overview”.

On your mobile phone, click the three-line menu at the top right corner of the page and then click on “Credit Cards”.

This will take you to another menu where you must click on “Our Cards”, and then on “Credit Cards Overview”.

The first option you will find is the Gold Visa® credit card, along with all the necessary information. Click apply now if you are ready to apply.

The website will offer you the option of logging in or applying without logging in. For the sake of simplicity, we have chosen to do it without logging in, but you can do it however you please.

The next page is the application form. Enter your personal information as required in the form along with a mobile number and email address. Then enter your residence, employment and income details.

Once you have done that, hit “Next: Add Authorized Users”. You can add authorized users or not. It is up to you.

Then select whether you would like to transfer a balance and/or enroll in debt protection.

Review the disclosures and notices on the next page and check the two boxes below to confirm you have read and agree to the specified terms. Now click on “Next: E-sign Security Interest Form”.

On the next page click “Sign Doc” to provide your digital signature, then click on “Submit Application”, and you are done!

Carrying a balance is bad for your credit score, so once you stop carrying it, you might want to work on your credit. The First Digital Mastercard is going to help you do just that. 

Click the link below and learn more about this card.