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PenFed Pathfinder® Rewards Visa Signature® Card
PenFed Credit Union

PenFed Pathfinder® Rewards Visa Signature® Card

A $95-a-year travel rewards card from PenFed Credit Union.

Cash back only
Annual fee
$95/yr
Welcome bonus
50,000 bonus points
Min spend
$3,000 in 90 days
Recommended credit
Good (670+)
Network
Visa
Apply on PenFed Credit Union site7.6/10Our rating · review ›

Rates, fees, and full terms are set by PenFed Credit Union and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: credit card application and welcome-bonus rules →
Offer last verified July 24, 2026. How we verify.

Is this card right for you?

✓ Best for

people who spend heavily on travel and want travel rewards they can grow.

⚠ Think twice if

you will not use enough of its perks and credits to cover the $95 annual fee.

Earning rates

4 points per dollar on travel for PenFed Honors Advantage members, 3 points without it
1.5 points per dollar on everything else

Best ways to earn & redeem

Put your travel spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus.

When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

Up to $100 per year in airline incidental credits
Complimentary Priority Pass Select membership
Global Entry or TSA PreCheck application fee credit once every four years

Lounge access

Complimentary Priority Pass Select membership with access to 1,200+ airport lounges

Statement credits

Up to $100 airline incidental fee credit annually
Global Entry or TSA PreCheck fee credit (every 4 years)

Pairs well with

The PenFed Pathfinder® Rewards Visa Signature® Card earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the PenFed Pathfinder® Rewards Visa Signature® Card lands.

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