Detected in the CFPB-filed cardholder agreements from Pentagon Federal Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Change-anytime clause
The issuer reserves the right to change your rates, fees and terms at any time.
Show the exact wording ↓Hide wording ↑
“…able to any cardholder. Account5. payments or credits and excluding any unpaid Your account may have purchases, cash advances, You also agree that we can change the terms of finance charge. A cash advance appearing on the this Agreement at any time by adding, deleting, or and balance transfers with different APRs. periodic statement is considered a part of the You understand and agree that the m…”
Slip up and your rate can jump to a much higher penalty APR.
Jumps to ~17.99%
Show the exact wording ↓Hide wording ↑
“…will increase to the Penalty information to third parties, including but not any indebtedness or other outstanding financial Annual Percentage Rate (Penalty APR). See limited to credit reporting agencies or merchants, obligation owed by you or any person who is listed Section 10 below for details of the Penal…”
“…um Rewards Visa?? Prime plus 14.74% PenFed Pathfinder?? Rewards Visa Signature?? Prime plus 14.74% APR for Balance Transfers 17.99% and Cash Advances Penalty APR 17.99% Annual Fee2 PenFed Pathfinder?? Rewards Visa Signature?? -$95 All other cards - None Minimum Interest Charge None Foreign Transaction Fee None…”
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 Debt Protection - Plan 2$1.20
Optional Debt 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.