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

4.3/5.0

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

Rewards

1.5x points
On all other eligible purchases
1.5X Points on all other purchases
3x points
Travel
3X Points on all Travel categories
4x points
Travel
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

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.

Pros & Cons

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

What Are the Best Alternatives?

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Rewards Range

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Annual Fee

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Rewards Range

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Annual Fee

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Rating

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Rewards Range

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Annual Fee

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