When you are ready to apply: Have your information ready. During that time, you’ll be able to carry a balance on this card without accruing interest, saving you money and giving you time to pay down a debt. The PenFed Pathfinder® Rewards Visa Signature® Card offers premium perks for a relatively low (and potentially no) annual fee. If you were not eligible at account opening, but subsequently become eligible, the annual fee will be waived on your next anniversary. Tokenized account numbers in your mobile wallet: Your name, account number, and security codes aren’t stored on your device so merchants never see your account information. Affiliate Business Arrangement Disclosure. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date. Everyone is eligible to join, but it does require a few extra steps. They did start offering me email preapprovals pretty quickly once I joined. Members: Use the Already a member? APR = Annual Percentage Rate. Open a Savings/Share Account and deposit at least $5, $100 ANNUAL domestic air ancillary travel statement credit, $100 Global Entry or $85 TSA Pre-check statement credit, Complimentary Priority Pass Airport Lounge Annual Membership, 50,000 Bonus Pointsƚ when you spend $3000 in the first 90 days, Points** on all Travel categories for PenFed Honors Advantage Membersƚƚ, Balance Transfers Promo APR for 12 months, 3% fee applies to each transaction. Consult issuer for additional details or visit http://www.visa.com/security. Many store credit cards can only be used at their store or online shop. Subject to credit approval. Discover you’re eligible to become a PenFed member, 2. Open a Savings/Share Account and deposit at least $5. For more information about the relationship between PenFed and PenFed Title, LLC, see the Affiliate Business Arrangement Disclosure. In order to qualify, you must meet one of the following: You are retired, honorably discharged or currently serving the U.S. military. During the application, we may ask you to: Provide your employment and income (annual) Verify your identity; Find the card you want on PenFed.org and click the green Apply Now button. By clicking “I ACCEPT”, you consent to our use of cookies in accordance with our Privacy, GDPR and Cookie Policies. Cardholders may sign up for free electronic statement notification to avoid paying a $1.00 fee for mailed paper statements. Any time there's an opportunity to save money on existing … PenFed Honors Advantage program: Some PenFed cards provide extra rewards for Honors Advantage members; to qualify, you must either: Be in an active military service status, a member of the Reserves or National Guard, an honorably discharged U.S. military veteran, or retired from such service Most store credit cards’ interest rates are higher than the industry average (17%). Most PenFed credit cards require an excellent credit score (750+) for approval. Your account is monitored for transactions that may indicate fraudulent activity, and we may contact you immediately if fraud is suspected. According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Become a member and take advantage of products and exclusive offers! Visa® USA determines which transactions are classified as travel purchases based on Merchant Category Codes. How to Avoid Paying Interest on Purchases. 1. NEED HELP? PenFed Promise Visa Card has a variable purchase APR that ranges from 12.49% up to 17.99%. Set-up your Visa SRC account today! APR = Annual Percentage Rate. Non-members: Click the blue Apply Now button to get started on your card and … Certain restrictions may apply. 1-800-247-5626. To receive any advertised product, you must become a member of PenFed Credit Union which includes opening a $5 PenFed savings account. Finalize the loan and receive your money. Earn rewards on ALL travel purchases - including flights, hotels, transportation & more! Pre-Qualified Offers. PenFed Promise Visa Card has lower than average purchase APRs. From electronics to kitchen must-haves, sporting goods, household items and so much more! The easiest way to qualify is to be a previous or existing member of the military. Shopping - with reward points. APY = Annual Percentage Yield Take advantage of the intro balance transfer APR: You’ll get 0% for 12 months, then 8.24% to 17.99% Variable. For more information about the relationship between PenFed and PenFed Realty, LLC, see the Affiliate Business Arrangement Disclosure. A few are also designed for people with good credit (700-749). Credit card applications completed online will require your agreement to receive application notifications and disclosures electronically. exclusive PenFed offer! If at any time, you fail to meet the eligibility requirement, you will no longer be eligible for the waiver. Pentagon Federal and American Express rely on accurate transaction data to identify eligible Global Entry and TSA Pre purchases. Annual Percentage Rate (APR) for Purchases. Re: National credit unions besides Navy & Penfed that offer pre-approvals credit card list. View pricing lists & cardholder agreements. Enjoy the discounts on a wide variety of offers and deal, including food and wine, shopping, sports, hotels, car rentals, entertainment, and more. Learn about which PenFed Credit Union credit card is right for you, offering cash back rewards, points on gas and groceries, and low interest balance transfer cards./ We use cookies to provide you with better experiences and allow you to navigate our website. ƚAccounts that are issued and approved will receive 50,000 bonus points upon spending $3000 in purchase transactions within 90 days of account opening. Each account is eligible for 1 bonus at account opening. if your minimum payment is not received within 60 days, your entire account is subject to change to the non-variable penalty APR. Increase your financial freedom by taking advantage of our competitive balance transfer offers. When used at a chip-enabled terminal, chip technology provides stronger security for your card information. However, some credit card issuers and credit-related websites may differ in how they apply these terms, and this may lead to some confusion. Read More. Wait for your loan approval. People typically start receiving PenFed credit card pre approval offers 6 months after joining Pentagon Federal Credit Union. This transaction is subject to credit approval. % APR promotional balance transfer rate for on transfers made . Learn all about PenFed and its credit cards PenFed Credit Cards How to Apply for the PenFed Power Cash Rewards Visa Signature Card. For more information about the relationship between PenFed and PenFed Realty, LLC, see the Affiliate Business Arrangement Disclosure. The PenFed Gold Visa® Card is a $0 annual fee credit card for people with excellent credit scores (750+). Alliant is a big national CU that lets anybody join, but they don't have a prequalify page. Simply pick up the phone to call Visa Signature Concierge. PenFed takes no responsibility for the content of the page. Rewards are available only for new purchases made with the card: cash advances, checks drawn from the account, and balance transfers are excluded and do not earn credit toward rewards. This credit union is federally insured by the National Credit Union Administration. But Chase has notoriously high standards for approval, which make pre-qualifying a smart decision. Secure. Sat: 8 am - 11 pm ET. For borrowers with good credit, you might get a decision in just a few minutes. Affiliate Business Arrangement Disclosure. Program Rules, Terms and Conditions (PDF). In the world of credit cards, “pre-approved,” “pre-qualified,” and “pre-screened” are typically used interchangeably, fitting the definition we described above. Become a member and take advantage of products and exclusive offers! Closed-loop cards are limited to single store. To qualify for a PenFed personal loan, you must borrow between $500 and $20,000 with terms between 6 and 60 months. section to log in and start your application. Rates are current as of April 2021 unless otherwise noted and are subject to change. Mon-Fri: 7 am - 11 pm ET. Sun: 9 am - 5:30 pm ET People typically start receiving PenFed credit card pre approval offers 6 months after joining Pentagon Federal Credit Union. Refer to the Program Rules, Terms and Conditions (PDF), Travel Credits (PDF) and the Travel Signature Program Benefits (PDF) for detailed information. Purchase APR: 13.99% – 23.99% (Variable) Watch for an email with the subject line, “Congrats, on your pre-approval!” Based on your creditworthiness, income and other undisclosed factors, they will include various credit cards from their portfolio in that offer. Have questions about your stimulus payment? To apply for this card, you must be a member of PenFed. ƚƚTo qualify for the PenFed Honors Advantage Program you must 1) be in an active military service status, a member of the Reserves or National Guard, an honorably discharged U.S. Military Veteran or retired from such service OR 2) the member must be the primary owner on both the credit card and checking accounts of any existing open PenFed product, excluding PenCheck Limited accounts, or open a new Access America Checking account with PenFed. We will not charge you interest on purchases if you pay your entire account balance, including balance transfers and cash advances, by the due date each month. Please find a full list of cards on our PenFed credit card page . The OpenSky® Secured Visa® Credit Card is a rarity even among secured credit cards, in that it allows you to qualify without a bank account or any kind of credit check. A % balance transfer fee applies to each transfer. You won’t be charged extra for using your PenFed card outside of the U.S. You can get extra savings, special offers, and discounts on products and services just for being a member. If you do not see a credit for a qualifying purchase on your Card after 6-8 weeks, simply call the number on the back of your Card. **Cash advances, credit card checks, and balance transfers are excluded from earning rewards. CALL US AT. Aside from its $0 membership fee, the PenFed Gold Visa Card’s best features are its $100 initial bonus and its promotional APR of 0% for 12 months on … The content you are about to view is produced by a third party unaffiliated to Pentagon Federal Credit Union. We use cookies to provide you with better experiences and allow you to navigate our website. How to Redeem Your Pathfinder Reward Points? Please allow 4 weeks after spending $3000 to receive the bonus. For more information about the relationship between PenFed and PenFed Title, LLC, see the Affiliate Business Arrangement Disclosure. You can also join National Military Family Association ($17) or Voices For Troops ($17).More information about becoming a member of PenFed can be found here.They will also sometimes request pay stubs to verify your income. As an Access America Checking account earn 4x points on all travel purchases with a PenFed Pathfinder® Rewards Visa® Signature Card® card. According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Insider Advice: Getting the Most Out of Your Card. By clicking “I ACCEPT”, you consent to our use of cookies in accordance with our Privacy, GDPR and Cookie Policies. ***As a PenFed Pathfinder® Rewards cardholder, if you qualify for Honors Advantage (member of the military or Access America account holder) at the time of the application, we will waive the annual fee on your account. The penalty APR will remain in place until you make three consecutive monthly payments on or before the due date. * Your APR will vary with the market based on the Prime Rate. But some store credit cards can be used anywhere like normal credit cards, such as Amazon Prime Rewards Visa Signature Credit Card. Rates are current as of April 2021 unless otherwise noted and are subject to change. Not all applicants will qualify for the lowest rate. Committed to our members, calculate monthly payments with our loan calculator and apply online today. Shop online with the peace of mind that Visa uses advanced technologies and multiple layers of payment security to help protect your card against unauthorized use. PenFed Gold Visa® Card has a variable purchase APR that ranges from 7.49% up to 17.99%. Your actual APR will be disclosed at the time of credit approval. After that, the APR for the unpaid balance and any new balance transfers will be %. Gift cards for shopping, dining and entertainment, and more. You will receive advance notice of this change. when you open your account, based on your creditworthiness. PenFed takes no responsibility for the content of the page. Join now and take advantage of our low VA loan rates and online banking services./ We use cookies to provide you with better experiences and allow you to navigate our website. PenFed Title, LLC is wholly owned by PenFed and this referral may provide PenFed a financial or other benefit. PenFed Gold Visa® Card has lower than average purchase APRs. You are an employee of a qualifying organization. We are available 24 hours a day, 365 days a year for your travel, dining, and entertainment needs. View pricing lists & cardholder agreements. † To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. We use cookies to provide you with better experiences and allow you to navigate our website. PenFed Credit Union earns more for you with our reward credit cards and auto loans. Watch for an email with the subject line, “Congrats, on your pre-approval!” Based on your creditworthiness, income and other undisclosed factors, they will include various credit cards from their portfolio in that offer. ... Citi Entertainment: Get preferred access and pre-sale tickets to events and experiences, from music to movies. Visa Signature Discounts APY = Annual Percentage Yield 1. We will begin charging interest on cash advances and balance transfers on the transaction date. check out our reward catalog for more options! This credit union is federally insured by the National Credit Union Administration. The content you are about to view is produced by a third party unaffiliated to Pentagon Federal Credit Union. PenFed Pathfinder Rewards Card Eligibility You’re required to join the PenFed credit union, before you can apply for the PenFed Pathfinder Rewards card. Click below to access your PenFed provides no origination fee personal loans to consolidate high interest rate debt, finance a major purchase, or pay for unexpected expenses. Visit our reward catalog to see the great places your PenFed Rewards can take you if you are planning a trip. Cardholder must notify issuer promptly of any unauthorized use. To apply for the PenFed Platinum Rewards Visa Signature® Card, you have to be a member of the PenFed Credit Union. Discover you’re eligible to become a PenFed member, 2. Use your PenFed signature card to purchase the goods of services from the participating merchants and get a huge discount. Rate and offers current as of and are subject to change. ƚƚTo qualify for the PenFed Honors Advantage Program you must 1) be in an active military service status, a member of the Reserves or National Guard, an honorably discharged U.S. Military Veteran or retired from such service OR 2) the member must be the primary owner on both the credit card and checking accounts of any existing open PenFed product, excluding PenCheck Limited accounts, or open a new … For more information about the relationship between PenFed and PenFed Title, LLC, see the Affiliate Business Arrangement Disclosure. Click here to learn more. You will only have to pay an annual fee of $95*** to enjoy all the great features that come with your PenFed card. + See More Chase Cards. Like most issuers, Chase offers a simple pre-qualifying form to help you in your research.. After supplying a few basic pieces of personal information, Chase will show you if you pre-qualify for any of its cards, and which cards may work best for you. Click below to access your exclusive PenFed offer! ±Visa Zero Liability Policy covers U.S.–issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Your due date is at least 25 days after the close of each billing cycle. PenFed takes no responsibility for the content of the page. The content you are about to view is produced by a third party unaffiliated to Pentagon Federal Credit Union. *Rates are based on an evaluation of applicant credit. Pre-Qualified Offers. The card offers introductory incentives. credit to be posted to the Card account. Your PenFed signature card provides a complimentary concierge* service that can help you enjoy the things you love. Use your balance transfer to: Consolidate debt and lower your interest rates. Your card account must be open and in good standing to earn rewards.