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Gold Visa® CardSee Rates & Fees
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Gold Visa® Card

Our rating:2.8 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

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Intro Bonus
$100$100 Bonus Offer Statement Creditƚ when you spend $1,500 in first 90 days
Balance Transfers Intro APR
Purchases Intro APR
Regular APR
7.49% - 17.99% Variable
Annual Fee


  • Our Lowest-Rate Card
  • Benefits of this gold card include low APR and low promotional balance transfer APR. Go for the gold today!
  • LOW APR on all purchases
  • $100 Bonus Offer Statement Creditƚ when you spend $1,500 in first 90 days
  • 0% Balance Transfers Promo APR for 15 months. 3% fee applies to each transaction. Subject to credit approval.
  • Balance Transfers Promo APR for 15 months, 3% fee applies to each transaction. Subject to credit approval. On transfers made from now until September 30, 2022. After that, the APR for the unpaid balance and any new balance transfers will be 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
  • Annual Fee: $0
  • Purchase Variable APR*: 7.49% to 17.99%
  • Refer to for Terms/Conditions


  • Auto Rental Insurance
    Auto Rental Insurance
  • Balance Transfer
    Balance Transfer
  • EMV
  • Excellent Credit
    Excellent Credit
  • Free Credit Score
    Free Credit Score
  • Mobile Pay Ready
    Mobile Pay Ready
  • No Annual Fee
    No Annual Fee
  • No Foreign Transaction Fees
    No Foreign Transaction Fees
  • Travel Accident Insurance
    Travel Accident Insurance
  • Unsecured credit card
    Unsecured credit card
  • Zero Fraud Liability
    Zero Fraud Liability

Staff Review

Editor's Rating:

2.8 out of 5

Our take: The promotional period for balance transfers is on the short side; however, the PenFed Gold Visa card can save you money in the long run due to its very reasonable rates and fees.

Read full review

All reviews are prepared by staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.