THE CARDTUNED DATABASE
PenFed Pathfinder Rewards Visa Signature
Issuer: PenFed Credit Union · Network: Visa
4X points on travel and 3X on dining for Honors Advantage members; 3X on travel and 2X on dining for other members; 1.5X points on all other purchases.
- Annual fee
- $95
- Foreign transaction fee
- None
- Intro APR
- 0% introductory APR for 12 months on qualifying balance transfers; transfer fee applies.
- Regular APR
- 17.99% variable APR
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
50,000 bonus points after $3,000 in purchases within the first 90 days.
- Spending requirement
- $3,000 in purchases
- Time window
- within the first 90 days
Offer last checked: 2026-09-04
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Dining | 4X | points on travel and 3X on dining for Honors Advantage members |
| Dining | 3X | on travel and 2X on dining for other members |
| Other purchases | 1.5X | points on all other purchases. |
Additional benefits
• Up to $100 annual domestic-air ancillary statement credit
• Up to $120 Global Entry or $85 TSA PreCheck credit every four years
• Complimentary Priority Pass Select membership; lounge visit fees apply
• Trip-delay reimbursement and auto-rental collision damage waiver
Restrictions to know
$95 annual fee. Honors Advantage qualification requires eligible military status or qualifying PenFed checking ownership; enhanced rates stop if eligibility ends. Points expire five years after earning. Priority Pass membership is complimentary but lounge visit fees apply.
Who can apply
PenFed membership/account relationship required under issuer rules.
Credit profile: Not Public / issuer underwriting applies