PenFed Pathfinder® Rewards Visa Signature® Card

The card_name is a travel rewards card designed for people who want a card with good travel rewards and a low annual fee. PenFed Honors Advantage members can get the annual fee waived. To become a member of PenFed Honors Advantage, you can either have an active checking account with PenFed or be a member of the military (active or retired). This card offers a decent welcome bonus, plus some other travel perks such as a $100 annual domestic air travel credit and either a $100 global entry or $85 TSA Pre-check credit. We dive into the details and your approval odds in this PenFed Pathfinder review.

Our Rating


Welcome Offer

50,000 Bonus Points

Annual Fee

$95 Waived for existing Honors Advantage Members

0% on Purchases

Reward Rate

1.5x to 4x points

0% on Balance Transfers

Welcome Offer

50,000 Bonus Points when you spend $3000 in the first 90 days

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsPurchase Protection, 24/7 customer service
Travel PerksAccess to Special Events and Concerts, Auto Rental Collision Damage Waiver, Concierge Services, Emergency Travel Assistance, Luggage Protection, Trip Delay Reimbursement, Roadside Assistance, Travel Accident Insurance, TSA PreCheck & Global Entry credit


1.5x points
On all other eligible purchases
1.5X Points on all other purchases
3x points
3X Points on all Travel categories
4x points
4X Points on all Travel categories for PenFed Honors Advantage Members

Interest Rates & Fees

Annual Fee$95 Waived for existing Honors Advantage Members
Foreign Transaction FeeSee Terms
Regular APR17.99% (V) APR


Trip Delay Insurance

If your trip gets delayed, not only does this mean lost time, but can also create additional expenses that you didn’t expect to pay. This benefit covers up to a maximum of $300 per each purchased ticket for reasonable expenses incurred when a Covered Trip you purchased with your Visa Signature Card is delayed for more than 12 hours.

Purchase Protection

Will replace, repair, or reimburse you for eligible items of personal property up to $500 per claim for ninety (90) days from the date of purchase due to covered reasons.

Lost Baggage Insurance

Baggage Delay Reimbursement

If your luggage takes a detour and its arrival is delayed, this benefit will provide reimbursement for any essential items you may need while waiting for your luggage to arrive.

Lost Luggage Reimbursement

If your checked or carry-on luggage and its contents is lost due to theft or misdirection by the carrier, this benefit offers you a supplemental reimbursement up to $3,000.

What Credit Score Is Required to Get the PenFed Pathfinder® Rewards Visa Signature® Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score: 640

Average Approved Credit Score: 765

App StatusDateCredit ScoreBureauCredit Limit
Not Provided

Pros & Cons

  • Welcome offer
  • No foreign transaction fee
  • Up to 4x points on travel
  • Requires good credit
  • Annual fee for if you're not a PenFed Honors Advantage Member

What Are the Best Alternatives?

Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card



Rewards Range

1x - 5x points

Annual Fee


Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card



Rewards Range

2x - 5x miles

Annual Fee


Capital One VentureOne Rewards Credit Card
Capital One VentureOne Rewards Credit Card



Rewards Range

1.25x miles to 5x miles

Annual Fee


Related Articles