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PenFed Platinum Rewards Visa® Card

Pentagon Federal Credit Union

Top-25 issuerNationalVariable · PrimeCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
17.99%
Annual fee
None
0% intro
None
0% transfer
12 mo
Foreign fee
None
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

The purchase rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered17.99%
Median17.99%
Highest offered17.99%

Balance transfer APR

Promotional window: 12 months

The transfer rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered17.99%
Median17.99%
Highest offered17.99%

Every fee on this card

Annual feeNone
Balance transfer fee3%
Cash advance feeNone
Foreign transaction feeNone
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$25
Optional Debt Protection - Plan 1$2.10
Optional Debit Protection - Plan 2$1.20
Optional Debit Protection - Plan 3$0.88

Late fee policy: Up to $20 if balance is less than $1000 Up to $25 if balance is $1000-$2000 Up to $28 if balance is greater than $2000 The late fees apply to the first late fee and repeat late fees. If the late fee is higher than the minimum payment due, the lesser is c

Rewards, benefits and features

Rewards
  • Other rewards
Services
  • Access to Free Credit Scores
  • Credit card registration
  • Debt cancellation coverage
  • Discounts on purchases of goods and services (non travel related)
  • Other
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Issuer note: Cardholders earn points on purchases that can be redeemed for gift cards, travel, and other retail goods.

Who can get this card

AvailabilityNational
Membership requirementsOpen to the public
Phone1-800-247-5626
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (3%)$150
Promo interest at 0.00%$0
You save$450

Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 17.99% afterwards.

Cost to carry a balance
Interest for a year at 17.99%$539.70
Annual / periodic fees$0
Total yearly cost$539.70

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

Cardholder agreements

2 documents filed by Pentagon Federal Credit Union in the 2026 Q1 archive.

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