PenFed Pathfinder Rewards Visa Signature
50,000 points welcome · 4x on travel · $95/yr
The PenFed Pathfinder Rewards Visa Signature punches far above its weight for military members and anyone willing to open a PenFed Access America checking account: those Honors Advantage members get the $95 annual fee waived entirely, plus 4x points on travel and 3x on dining. Even the $100 annual air travel incidental credit alone would justify a fee the eligible cardholder is not paying. A 50,000-point bonus after $3,000 in spend, a Global Entry credit every five years, and a Priority Pass membership round out a travel package that few no-fee cards can match, though lounge visits carry per-visit fees. Points redeem at roughly fixed value with a modest catalog, so this is not a transferable-points powerhouse. For the Honors Advantage crowd it is one of the best deals in travel cards; for everyone else the math is merely decent.
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 5 years | $120 every 5 yr |
Annual Fee Waiver The $95 annual fee is waived for PenFed Honors Advantage members (current or former military, or Access America checking account holders) | $95 /yr |
| Total annual credits | $219 |
Card details
Regular APR | 17.99% variable |
Foreign transaction fee | None |