Credit and Habit

PenFed Credit UnionPersonal card

PenFed Power Cash Rewards® Visa Signature® Card

PenFed Power Cash Rewards® Visa Signature® Card from PenFed Credit Union.

AT A GLANCE

Credit card overview

Welcome offer

$100 statement creditafter spending $1,500 in qualifying purchase transactions within the first 90 days of account opening.

Card categories

  • No-Annual-Fee

What you get

Rewards and benefits

How it earns

Reward terms not yet captured.

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
Redemption options and restrictions
Your cash back rewards never expire for as long as you keep the card. Cash rewards do not expire and remain on the account for 120 days after account closure. Redeem your cash back as a statement credit or deposit into your checking or savings account. Once you have earned a minimum of $0.01 in cash rewards, redeeming is simple. You can choose to redeem in the form of: 1. Statement credit to your Power Cash Rewards account. 2. Transfer into your eligible PenFed Checking or Share account. 3. Transfer into your account at another institution. Simply click ‘Redeem Rewards’ and follow the prompts to complete your cash redemption. First time ACH users will need to establish a new non-PenFed transfer account prior to requesting their first ACH redemption request via the transfers tab at the top menu in PenFed online banking. You may change to another option anytime by selecting Redeem Rewards. Accounts reported lost or stolen must re-enroll in a redemption option.
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 Power Cash Rewards® Visa Signature® Card

  1. Treat an eligible welcome offer as first-year value only, separately from ongoing rewards. Review spend requirements and account eligibility.
  2. 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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