PenFed Pathfinder Rewards American Express® Card

PenFed Pathfinder Rewards American Express® Card

on Pentagon Federal Credit Union's website

PenFed Pathfinder Rewards American Express® Card

PenFed Pathfinder Rewards American Express® Card

PenFed Pathfinder Rewards American Express® Card

on Pentagon Federal Credit Union's website

Card details

Recommended credit score

  • 0% APR promo balance transfer rate for 12 months with 3% balance transfer fee now through September 30, 2019. After that, the APR for the unpaid balance and any new balance transfers will be 12.99%% to 17.99%. APR will vary with the market based on Prime Rate. Subject to credit approval.

  • Earn 25,000 Bonus Points by spending $2,500 in the first 90 days of account opening.

  • Earn 4X Points on travel purchases through the PenFed Honors Advantage program. Earn 3X points on travel purchases for all other card holders.

  • Earn 1.5X points on all other purchases unrelated to travel.

  • $100 Annual Air Travel Credit

  • $100 Global Entry or $85 TSA PreCheck Benefit every 5 years

  • No caps or limits on rewards. No annual or foreign transaction fees.

  • Chip enabled for added security.

  • Variable rate as low as 12.99% APR. Rate and offers current as of April 1, 2019 and are subject to change.

  • Federally insured by NCUA.

Rates, fees & offers

  • Annual fee


  • Rewards rate

    1.5 points per dollar

  • Bonus offer

    25,000 bonus points when you spend $2,500 within 3 months of opening an account

  • Intro APR

    Purchase: None

    Transfer: 0% for 12 mos

  • Ongoing APR

    Min APR: 12.99%, Variable

    Max APR: 17.99%, Variable

    Penalty APR: Up to 17.99%, Variable

    Cash Advance APR: 17.99%, Variable

  • Balance transfer fee


  • Foreign transaction fee


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NerdWallet review

By Sara Rathner

Rating details


Editor's overall rating

Recommended credit score

Pros and cons

  • High rewards rate

  • No annual fee

  • Intro APR period on Balance Transfers

  • No foreign transaction fee

  • Membership required

  • Can't redeem for cash back

The PenFed Pathfinder Rewards American Express® Card is a rarity among $0-annual-fee travel cards in a couple of ways.

Not only does the card reward you generously for travel purchases, but you'll also snag valuable travel credits, benefits and protections that make it easier to get out of town. (Travel credits are exceedingly rare for cards with no cost of ownership.) Plus, unlike many other competitors, you’ll earn an elevated rate even on non-bonus-category spending.

However, you must be a member of PenFed Credit Union, and you'll also face some drawbacks when it comes to redemption. Cash back isn't an option, and redeeming for anything other than travel offers a less-than-ideal value for your points.

For more information, see our full review of this card.

User Reviews

Recommended credit score

Rating Details

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