No-fee credit union card with 5x on gas and EV charging and a single 17.99% APR.
Rates, fees and offers
- Regular APR
- 17.99% variable
- Annual fee
- $0
- Promo offers
- 0% intro APR for 12 months on balance transfers made in the first 60 days.
- Balance transfer fee
- See issuer terms
- Rewards
- 5x points on gas and EV charging; 3x at supermarkets, restaurants and on streaming and utilities; 1x everything else.
Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗
Notes
Anyone can join PenFed. Federal credit union rates are capped at 18%, well below most bank cards, which makes it a better place to carry a balance if you must.
Paying and contacting PenFed Credit Union
- Pay by mail
-
The issuer doesn’t publish one address for everyone. Use the payment address printed on your statement.
See all PenFed Credit Union cards → · Search all cards
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