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
1.5 points per dollar
25,000 bonus points when you spend $2,500 within 3 months of opening an account
Transfer: 0% for 12 mos
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
Not sure which card is best for you?
By Sara Rathner
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
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.
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