PenFed Gold Visa® Card Review

PenFed Gold Visa® Card Review

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  1. 0% Balance Transfers Promo APR for 15 months. 3% fee applies to each transaction.
  2. Low APR on all purchases.
  3. No foreign transaction fee.
  4. No annual fee.


  1. No signup bonus.

How to Join PenFed Credit Union

  1. You can join directly if you are those who serve in the US Military or Uniformed Services, employees of the US government, or those who are related to someone who meet the above criteria.
  2. Or you can donate at least $17 to Voices for America’s Troops or National Military Family Association to be eligible.

Recommended Application Time

  1. We recommend you apply for this card after you have a credit history of at least two years and you are very comfortable with the credit card game.


This card is not suitable for those who are seeking cashback or reward points.

Historical Offers Chart

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