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.
4.3/5.0
50,000 Bonus Points
$95 Waived for existing Honors Advantage Members
None
1.5x to 4x points
12 Months
Welcome Offer
50,000 Bonus Points when you spend $3000 in the first 90 daysFeatures & Benefits
Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability |
Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
Benefits | Purchase Protection, 24/7 customer service |
Travel Perks | Access 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 |
Rewards
Interest Rates & Fees
Annual Fee | $95 Waived for existing Honors Advantage Members |
Foreign Transaction Fee | None |
Regular APR | 17.99 (V) APR |
Balance Transfers | 0% Intro APR for 12 months on balance transfers, then 17.99(V) APR after that. |
Balance Transfer Fee | 3% fee for each transaction |
Insurance
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 a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 06/20/2022 | Not Provided | ||
Approved | 04/06/2022 | Equifax | ||
Approved | 12/29/2021 | Equifax | ||
Approved | 09/05/2022 | Equifax | ||
Approved | 04/06/2022 | TransUnion | ||
Approved | 04/06/2022 | Experian | ||
Approved | 08/06/2021 | Not Provided | ||
Denied | 12/29/2021 | TransUnion | ||
Denied | 12/29/2021 | Experian |
- 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
Rating
4.9
Rewards Range
1x - 5x points
Annual Fee
$95

Capital One Venture Rewards Credit Card
Rating
4.5
Rewards Range
2x - 5x miles
Annual Fee
$95

Capital One VentureOne Rewards Credit Card
Rating
4.4
Rewards Range
1.25x miles to 5x miles
Annual Fee
$0
FAQs
PenFed is a credit union. Can anyone apply for this card?
Yes. PenFed’s slogan is “A Credit Union anyone can join.” All you have to do to become a member is provide your information, open an account and deposit $5 into it. That’s it!