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 11.99% to 17.99%. APR will vary with the market based on Prime Rate. Subject to credit approval. $100 bonus after spending $1,500 in purchase transactions within the first 90 days of account opening.
Rate and offers current as of June 1, 2019 and are subject to change.
1.5% unlimited cash back on all purchases
Flexible cash redemption options
No caps, limits or category restrictions on rewards
Earn up to 2% cash back through the PenFed Honors Advantage program
No annual or foreign transaction fees
Chip enabled for added security
Federally insured by NCUA
Variable rate as low as 11.99% APR
Rates, fees & offers
$100 bonus after spending $1,500 in purchase transactions within the first 90 days of account opening.
0% promotional rate for 12 months on transfers made now through September 30, 2019
Min APR: 11.99%, Variable
Max APR: 17.99%, Variable
Penalty APR: Up to 17.99%, Variable
Balance transfer fee
Foreign transaction fee
Recommended credit score
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