Credit and Habit

PenFed Credit UnionPersonal card

PenFed Defender Rewards™ Visa Signature® Card

PenFed Defender Rewards™ Visa Signature® Card from PenFed Credit Union.

AT A GLANCE

Credit card overview

Card categories

  • No-Annual-Fee

What you get

Rewards and benefits

How it earns

Always earn at least 1X points and even more on gas paid at the pump, groceries, dining, and streaming. Express your style with the Camo or Star card design while earning 5X points on gas at the pump and EV charging, 3X at sporting goods stores, military exchange stores, and commissaries, plus 1X on all other purchases. 5X points on gas and EV charging 3X points at sporting goods stores

Shown as the issuer describes it. Caps, exclusions and enrollment rules can apply.

What it costs

Fees, rates and terms

Annual fee$0
Foreign transaction feeNo Foreign Transaction Fees
Advertised credit profileIssuer determines eligibility; no minimum score published in the reviewed source.

The advertised credit profile is general guidance, not a score cutoff or an approval prediction. PenFed Credit Union makes every lending decision.

Annual fee and first-year pricing
No annual fee or rotating categories
Redemption options and restrictions
Redeem points for gift cards, merchandise or travel You can redeem points for travel, merchandise, and gift cards. Planning a trip? Visit our rewards catalog to redeem points on flights, hotels, cars, and unforgettable experiences. Points expire 5 years from the date earned. To check when your points are set to expire, click on the account icon in the main menu bar and select 'Redemption Summary.' You will see the points that you have earned, your points balance, and the next 3 months of points set to expire.
Membership, location and eligibility
PenFed membership and credit approval required.

Recorded from PenFed Credit Union’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.

Your call

Before you apply for the PenFed Defender Rewards™ Visa Signature® Card

  1. Compare the current purchase APR and consider how reliably you can pay the statement balance in full. Interest can outweigh rewards.

Read the full application checklist →See how it fits your spending in Find My Card →

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