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.

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. 

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. 

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.

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.

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.