PenFed · Visa Signature · Personal
PenFed Pathfinder Rewards
A $95-a-year card earning PenFed Platinum Rewards: 4× on 12 categories, 1.5× on everything else.
- Annual fee
- $95Charged every year
- Signup bonus
- 50,000 ≈ $425 in travel (our estimate)*
- Top rate
- 4×12 categories
- Point value
- 0.85¢ In travel · 0.85¢ as cash (our estimate)*
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus 50,000 points · spend $3,000 in the first 90 days | $425 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use None ticked yet | $0 | $0 |
| Annual fee Charged each year | −$95 | −$95 |
| NetYear one includes the bonus · at your inputs · our estimates* | $330 | −$95 |
The bonus needs $3,000 in the first 90 days.
Earning structure
14 categories, 3 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
Airfare NotesRequires checking account or military service. Otherwise, 3x. | 4× | $3.40 | |
Airfare (Portal) NotesPortal not required. Requires checking account or military service. Otherwise, 3x. | 4× | $3.40 | |
Car Rentals NotesRequires checking account or military service. Otherwise, 3x. | 4× | $3.40 | |
Car Rentals (Portal) NotesPortal not required. Requires checking account or military service. Otherwise, 3x. | 4× | $3.40 | |
Cruises NotesRequires checking account or military service. Otherwise, 3x. | 4× | $3.40 | |
Hotels NotesRequires checking account or military service. Otherwise, 3x. | 4× | $3.40 | |
Hotels (Portal) NotesPortal not required. Requires checking account or military service. Otherwise, 3x. | 4× | $3.40 | |
Parking NotesRequires checking account or military service. Otherwise, 3x. | 4× | $3.40 | |
Ridesharing NotesRequires checking account or military service. Otherwise, 3x. | 4× | $3.40 | |
Toll Fees NotesRequires checking account or military service. Otherwise, 3x. | 4× | $3.40 | |
Transit NotesRequires checking account or military service. Otherwise, 3x. | 4× | $3.40 | |
Travel NotesRequires checking account or military service. Otherwise, 3x. | 4× | $3.40 | |
Dining NotesRequires checking account or military service. Otherwise, 2x. | 3× | $2.55 | |
| All Other | 1.5× | $1.28 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- $95
- Card type
- Personal
- Network
- Visa Signature
- Bank
- PenFed
- Point system
- PenFed Platinum Rewards
- Travel value (our estimate)*
- 0.85¢ per point
- Cash value (our estimate)*
- 0.85¢ per point
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- Yes
- Cash to travel
- No
Application rules1
- PenFed Membership
To get a PenFed credit card, you must first become a member of the credit union by meeting their eligibility criteria (such as military, government affiliation, or by joining a partner association) and opening a savings account with a minimum deposit.
Benefits7 · 3 high value
- Airport Express Credits High valueGlobal Entry or TSA PreCheck Credit
- Credits & Discounts High value$100 Domestic Travel Credit
- Earn Perks & Status High valueNo Annual Fee with checking account or military service.
- Car Rental Insurance Auto Rental Collision Damage Waiver
- Cell Phone Protections Cell Phone Protection
- Lounge Access Priority Pass Lounge Membership
- Travel Protections Trip Delay Reimbursement
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 PenFed Pathfinder Rewards |  PenFed Platinum Rewards |  PenFed Power Cash Rewards |  Bank of America Premium Rewards | |
|---|---|---|---|---|
| Annual fee | $95 | $0−$95 | $0−$95 | $95Same |
| Signup bonus | 50,000 pts | 15,000 pts | $100 | 60,000 pts |
| Top rate | 4×12 categories | 5×EV Charging, Gas Stations | 2×All Other | 2×12 categories |
| Travel value * | 0.85¢PenFed Platinum Rewards | 0.85¢PenFed Platinum Rewards | –Cash back | 1¢Travel Rewards |
| Why it’s here | This card | Same issuer and the same PenFed Platinum Rewards points, with no annual fee | An annual fee within $100 | Same $95 annual fee |
PenFed Platinum Rewards
$0 fee (−$95) · 5× top15,000 pts bonusSame issuer and the same PenFed Platinum Rewards points, with no annual fee
PenFed Power Cash Rewards
$0 fee (−$95) · 2× top$100 bonusAn annual fee within $100
Bank of America Premium Rewards
$95 fee (same) · 2× top60,000 pts bonusSame $95 annual fee
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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