PenFed Pathfinder Rewards Visa Signature
50,000 points welcome · 4x on travel · $95/yr
The PenFed Pathfinder Rewards is a well-rounded travel card that earns 1.5 points per dollar on everything, a strong floor for a travel card, plus elevated rates on travel and dining. The best version goes to PenFed Honors Advantage members (military or Access America checking), who earn 4x on travel and 3x on dining; everyone else gets 3x and 2x. The $95 annual fee comes back with an annual credit of up to $100 for domestic airline incidental fees like baggage and change fees, plus a Global Entry or TSA PreCheck credit every four years. A 50,000-point bonus after $3,000 in spending within three months and no foreign transaction fees add to the case. The catch is that the included Priority Pass membership still charges per-visit fees, so don't count it as free lounge access, and the card is noticeably stronger if you qualify for Honors Advantage.
Earn rates & credits
| Category | Rate |
|---|---|
Travel 4x with PenFed Honors Advantage (military or Access America checking); 3x otherwise | 4x |
Dining 3x with PenFed Honors Advantage; 2x otherwise | 3x |
Everything Else | 1.5x |
| Benefit | Value |
|---|---|
Air Travel Credit Up to $100 per year in statement credits for domestic airline incidental fees such as baggage fees, ticket changes, and in-flight purchases | $100 /yr |
Global Entry / TSA PreCheck Credit Application fee reimbursement of up to $120 for Global Entry or $85 for TSA PreCheck, once every 4 years | $120 every 4 yr |
| Total annual credits | $130 |
Card details
Regular APR | 17.99% variable |
Foreign transaction fee | None |