Up to 2% cash back with a single, low credit-union APR. Anyone can join PenFed.
Rates, fees and offers
- Regular APR
- 17.99% variable
- Annual fee
- $0
- Promo offers
- 0% intro APR for 12 months on balance transfers.
- Balance transfer fee
- See PenFed's terms
- Rewards
- 1.5% cash back on everything, or 2% for PenFed Honors Advantage members.
Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗
Notes
PenFed membership is required (open to anyone who joins). The 2% rate needs PenFed Honors Advantage membership.
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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