Credit Cards

PenFed Pathfinder® Rewards Visa Signature® card review

The PenFed Pathfinder Rewards Visa Signature card gives you the chance of earning rich rewards and access to valuable travel perks.

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by Danilo Pereira

Published on 11/11/2022

Meet the criteria and you can even avoid this card’s annual fee

PenFed Pathfinder® Rewards Visa Signature® card
Rich rewards and valuable travel perks. Source: The Post New.

The PenFed Pathfinder® Rewards Visa Signature® card packs a number of incredible benefits matching more expensive competitors. This is our PenFed Pathfinder® Rewards Visa Signature® card review.

PenFed Pathfinder® Rewards Visa Signature® card

How to apply for PenFed Pathfinder® Rewards card

In this PenFed Pathfinder® Rewards Visa Signature® card application guide, you will learn how to get your card with access to travel perks.

  • Credit Score: Good – Excellent (690 – 850)
  • APR: Variable 17.99% 
  • Annual Fee: $95
  • Fees: 3% balance transfer fee
  • Welcome bonus: Earn 50,000 bonus points after spending $3,000 in the first 90 days
  • Rewards: Earn 4X points on travel as a PenFed Honors Advantage Member, 3X points as a non-member, 1.5X points on all other purchases.

Not only does it allow you to earn points at a high rate even on everyday purchases, but it also offers a promo 0% intro APR on balance transfers for 12 months.

This is a card with top-notch perks which you usually find in cards that are much more expensive than this one. 

PenFed Pathfinder® Rewards Visa Signature® card: how does it work?

In spite of its $95 annual fee, the PenFed Pathfinder® Rewards Visa Signature® card will waive this fee if you meet a few eligibility requirements which give you PenFed Honors Advantage Membership.

If you are a military service member or have a PenFed Access America checking account, you are eligible for the PenFed Honors Advantage program.

Not only does this give you access to a $0 annual fee, but also the higher 4X rate on travel purchases.

However, if you do not meet those requirements, this can still be a competitive card. With it you will get valuable travel protections, credits and benefits. 

One of this card’s major advantages over its competitor travel cards is that you will earn rewards at a good rate even on non-travel-related purchases.

However, since this card is issued by a credit union, it requires you to be a credit union member in order to get it. 

You can redeem your points for merchandise, gift cards, travel, and even charity donations. But keep in mind if you want to get the most value for your points, redeeming them for travel is the way to go.

While redeeming for gift cards and merchandise yields a value of 0.85 cents a point, redeeming them for travel averages a value of 1.7 cents a point. 

Significant PenFed Pathfinder® Rewards Visa Signature® card benefits and disadvantages

PenFed Pathfinder® Rewards Visa Signature® card
Your travel experience will get even better with this credit card. Source: Freepik.

Now you are familiar with this card’s ins and outs. However, our PenFed Pathfinder® Rewards Visa Signature® card review would not be complete without a comparison between its pros and cons.

So have a look at the list of benefits and disadvantages we have prepared below.

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Benefits

  • Earn rewards at a high rate
  • Get 12 months of 0% APR on balance transfers
  • It does not charge a foreign transaction fee
  • Waivable annual fee if you meet the requirements

Disadvantages

  • Charges an annual fee
  • Requires a credit union membership
  • Unavailable cash-back redemptions

Is a good credit score required for applicants?

The PenFed Pathfinder® Rewards Visa Signature® card requires a credit score of 690 to 850 points. This generally falls within the categories of Good to Excellent credit.

Learn how to apply and get a PenFed Pathfinder® Rewards Visa Signature® card

If you like what you have seen in this article, you might want to take the next step and apply for this card.

If that is the case, hit the link below and we will show you how to do it step by step.

PenFed Pathfinder® Rewards Visa Signature® card

How to apply for PenFed Pathfinder® Rewards card

In this PenFed Pathfinder® Rewards Visa Signature® card application guide, you will learn how to get your card with access to travel perks.

About the author  /  Danilo Pereira

Danilo is a copywriter with a passion for learning. Deeply interested in philosophy, politics and arts.

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