Top perks
Let's take a closer look at the most notable benefits that are provided with this card.
Avoidable annual fee
The PenFed Pathfinder® Rewards Visa Signature® Card has a $95 annual fee. But if you're an existing PenFed Honors Advantage member, you qualify for an annual fee waiver.
You're eligible for PenFed Honors Advantage membership benefits if you're the primary owner of a PenFed checking account. If you have a free PenFed checking account, you must maintain a minimum $500 daily balance or set up monthly direct deposits of $500 or more to maintain eligibility.
Current and former military members are also eligible for PenFed Honors Advantage perks. This includes active duty, reserve, honorably discharged, and retirement service members.
Read more: Best Travel Credit Cards With No Annual Fee
Generous rewards rate
The PenFed Pathfinder® Rewards Visa Signature® Card offers generous rewards. If you're a PenFed Honors Advantage member, you'll earn 4 points per $1 on travel purchases made with your card. Otherwise, you'll earn 3 points per $1 on travel purchases.
The following expenses qualify as travel purchases:
- Airfare
- Hotels
- Car rentals
- Cruises
- Travel agency
- Commuter transportation
- Taxi and rideshare services
- Bus lines
- Tour operators
- Tolls
But the reward opportunities don't stop there. You'll earn 1.5 points per $1 on other purchases made with your credit card.
$100 yearly credit for domestic airline ancillary fees
Air travel can get expensive fast, especially when paying additional expenses like checked bag fees. This credit card provides up to $100 in statement credits per calendar year for eligible airline ancillary fees. This benefit only applies to eligible fees charged with domestic airlines, and you must charge the fees to your credit card. The following fees qualify:
- Baggage fees
- Flight-change fees
- In-flight food and beverages
- Airport lounge day-passes
- Pet-kennel fees
- Phone reservation fees
Global Entry/TSA PreCheck statement credit
With the PenFed Pathfinder® Rewards Visa Signature® Card, you'll also be eligible for a $100 Global Entry or $85 TSA Precheck statement credit to reimburse application fees paid with your card. This benefit is available to cardholders once every four years.
Priority Pass membership
The PenFed Pathfinder® Rewards Visa Signature® Card includes a complimentary standard annual Priority Pass airport lounge membership -- which carries a $99 value. While this membership gets you access to participating Priority Pass lounges, you'll still be required to pay a fee every time you visit a lounge. Members pay $35 per visit and $35 for each guest they bring.
0% intro APR on balance transfers
This travel credit card provides a 0% introductory APR on eligible balance transfers for up to 12 months. You must transfer an existing balance within 90 days of account opening. You'll be charged a 3% per transaction fee for each credit card balance you transfer. But if you're working hard to pay off credit card debt, this could be an excellent way to avoid paying additional interest charges.
No foreign transaction fees
The PenFed Pathfinder® Rewards Visa Signature® Card doesn't charge foreign transaction fees. This is a valuable benefit for international travelers. Many credit cards without this perk charge a 3% foreign transaction fee whenever you swipe your card for a foreign purchase.
Travel protections
You'll be happy to know that this credit card includes useful travel protections that could make your travel experience better. The following protections are included with your card:
- Auto rental collision damage waiver
- Baggage delay reimbursement
- Lost luggage reimbursement
- Travel accident insurance
- Trip delay reimbursement
