Apply for a PenFed Gold Visa Card for an exclusive purchase and balance transfer offer.
This low-rate card can help with anything from relocation expenses to medical bills.
PenFed Gold Visa® Card
Everyday Low APR on purchases after introductory period ends
Introductory APR on purchases^ made the first
months after account opening
Annual Fee: $
Purchase Variable APR: %
0% Introductory Balance Transfer APR for ,
% fee applies to each transaction. Subject to credit approval. Read More
Get a decision in as little as 20 seconds.
Credit Level Guidelines
Good/Excellent Credit
No declared bankruptcy or loan default in the last 6 months. No accounts more than 90+ days overdue in the last 3 months. No excessive credit inquiries over the last 1 month.
Meeting these criteria is not sufficient alone. Additional factors from your credit history and application will also be considered in the determination of extending credit. You may use the “See if I pre-qualify” button, which will not impact your credit score, as an indication if you may qualify. You can pre-qualify, meet the above criteria, and still be declined.
Terms and Conditions
Balance Transfer Offer for Gold Visa Cardholders
% introductory APR for
on balance transfers made in the first
days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of
%. A
% 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.
INTEREST RATES AND INTEREST CHARGES
| ANNUAL PERCENTAGE RATE (APR) FOR PURCHASES | |
|---|---|
| APRS FOR BALANCE TRANSFERS | |
| APR FOR CASH ADVANCES | |
| PENALTY APR AND WHEN IT APPLIES | |
| HOW TO AVOID PAYING INTEREST ON PURCHASES | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire account balance, including balance transfers and cash advances, by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. |
| ANNUAL FEE | None |
| CASH ADVANCE FEE | None |
| BALANCE TRANSFER FEE |
*Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval.
Credit card applications completed online will require your agreement to receive application notifications and disclosures electronically.
Cardholders may sign up for free electronic statement notification to avoid paying a $ fee for mailed paper statements.
Rate and offers current as of and are subject to change.
^ Introductory APR on purchases made the first
months after account opening. After that, the APR for the unpaid purchase balance and any new purchases will be
based on your creditworthiness which includes an evaluation of your credit history and will vary with the market based on the Prime Rate.
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