PenFed Pathfinder Rewards Card: Premium Credits, With a Few Caveats

This card offers rich rewards and valuable travel perks for a $95 annual fee, which is avoidable if you meet certain requirements. Credit union membership is mandatory, though, and redemption options are limited.
Apr 1, 2022

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Our Take


NerdWallet rating 
The bottom line:

If you don't mind joining a credit union first, this card packs a big punch, even when compared with more expensive competitors. But point values vary, and you can't redeem for cash back.

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PenFed Pathfinder® Card
PenFed Pathfinder® Rewards Visa Signature® Card
Annual fee
Regular APR
14.99%-17.99% Variable APR
Intro APR
0% promotional rate for 12 months on balance transfers made between now and September 30, 2022
Rec. credit score
690-850 (Good - Excellent)


NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. Quantitative features are those that boil down to dollars and cents, such as fees, interest rates, rewards (including earning rates and redemption values) and the cash value of benefits and perks. Qualitative factors are those that affect how easy or difficult it is for a typical cardholder to get good value from the card. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. Our star ratings serve as a general gauge of how each card compares with others in its class, but star ratings are intended to be just one consideration when a consumer is choosing a credit card. Learn how NerdWallet rates credit cards.