Credit Cards » Visa Credit Cards » PenFed Promise Visa® Card
PenFed Promise Visa® Card
Partner Offer

PenFed Promise Visa® Card

Excellent Credit Recommended (740-850) ? credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now at Pentagon FCU's Secure Site
Balance Transfers Intro APR
4.99% for 12 months
Purchases Intro APR
Regular APR
12.99% - 17.99% Variable
Annual Fee


  • $100 bonus after spending $1,500 in purchase transactions within the first 90 days of account opening.
  • 4.99% promotional rate for 12 months on transfers made between now and September 30, 2020. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. 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.
  • Rate and offers current as of April 1, 2020 and are subject to change.
  • Absolutely no fees
  • No annual fee
  • No late fee
  • No cash advance fee
  • No foreign transaction fees
  • Chip enabled for added security
  • Federally insured by NCUA
  • Purchase variable rate as low as 12.99% APR


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

Staff Review


Editor's Rating:

2.1-star review

2.1 out of 5

Our take: Though it offers a low APR and zero fees, the PenFed Promise Visa unfortunately lacks a zero percent introductory APR for new purchases.

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.