The PenFed Platinum Rewards Visa Signature® Card is harder to get than regular credit cards because of two main reasons. One, you need to be a PenFed member to apply, which is not hard to do, but you’ll need to make a contribution if you’re not a member of the military or employed by the government. Two, you need a credit score of 750+ to become eligible, since this is a premium card.

You can request a credit limit increase either online or by calling customer services at (800) 247-5626. It’s important to note that a limit increase request performs a hard inquiry on your score, which will affect it for a short period of time. To improve your odds at approval, make sure you’ve paid your balances in full and on time for the past 6 months.

With the PenFed Platinum Rewards Visa Signature® Card, you’ll have access to Visa Signature concierge services, zero liability protection, travel and emergency assistance, travel insurance, purchase security, roadside assistance, emergency card replacement and more. You’ll also enjoy the benefit of paying $0 annually for this card.