- 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 PenFed.org for Terms/Conditions
- Auto Rental Insurance
- Balance Transfer
- Excellent Credit
- Free Credit Score
- Mobile Pay Ready
- No Annual Fee
- No Foreign Transaction Fees
- Travel Accident Insurance
- Unsecured credit card
- Zero Fraud Liability
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.