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

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

  • 0% APR promo balance transfer rate for 12 months with 3% balance transfer fee now through March 31, 2020. After that, the APR for the unpaid balance and any new balance transfers will be 12.74% to 17.99%. APR will vary with the market based on Prime Rate. Subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.

  • 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 12.74% APR. Rate and offers current as of September 1, 2019 and are subject to change

  • Federally insured by NCUA.

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1.5 points per dollar

  • Bonus offer

    25,000 bonus points by spending $2,500 in the first 90 days of account opening

  • Intro APR

    0% promotional rate for 12 months on transfers made now through March 31, 2020

  • Ongoing APR

    APR: 12.74% - 17.99% Variable APR

    Penalty APR: Up to 17.99%, Variable

    Cash Advance APR: 17.99%, Variable

  • Balance transfer fee

    3%

  • Foreign transaction fee

    None

Recommended credit score

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NerdWallet review

By Sara Rathner

Rating details

5

Editor's overall rating

Pros and cons

Pros
  • High rewards rate

  • No annual fee

  • Intro APR period on Balance Transfers

  • No foreign transaction fee

Cons
  • 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.