PenFed Gold Visa® Card
- Annual fee
- None
- Recommended credit
- Good / Fair
- Card network
- Visa
- Intro purchase APR
- 0% for the first 15 months from account opening date
At a glance
If minimizing the cost of carrying a credit card balance is at the forefront of your mind, consider the PenFed Gold Visa® Card which features PenFed’s lowest APR, no annual fee, plus no interest on balance transfers for the first 12 months.
Our review of the PenFed Gold Visa® Card
Looking for a low APR credit card that offers substantial savings on interest charges? Look no further than the PenFed Gold Visa® Card. With one of the most competitive interest rates in the industry, this card is a smart choice for those who tend to carry a balance on their credit cards.
The PenFed Gold Visa® Card stands out for its impressively low APR, which remains competitive regardless of your credit score. Unlike other low APR cards that may offer enticing rates only to high credit scores, the PenFed Gold Visa® Card provides excellent rates even for those with fair credit.
In addition to its low APR, the PenFed Gold Visa® Card offers a 0% introductory APR on balance transfers for 12 months, making it a great option for those looking to pay down existing debt. Plus, new cardholders can earn a $100 statement credit after spending $1,500 within the first 90 days of opening the card.
With no fees on cash advances and no foreign transaction fees, the PenFed Gold Visa® Card is a low-maintenance financial tool that can help you save money and improve your overall financial health.
Overall, the PenFed Gold Visa® Card is a top choice for anyone in need of a low APR credit card with no annual fee and excellent customer service. Apply today and experience the benefits of this cost-effective and user-friendly credit card.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Lowest APR of PenFed credit cards
- No cash advance fees - ever
- 0% APR on balance transfer for 12 months
Who this card may suit
- You typically carry a credit card balance
- You rely on cash advances to help make ends meet
- You are able to spend $1,000 within the first 90 days of opening an account
- You're already a PenFed member or are eligible to join the credit unio
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Intro Purchase APR | 0% for the first 15 months from account opening date |
| Regular Purchase APR | 16.99% to 17.99% variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | 0% for the first 15 months from account opening date |
| Balance Transfer APR | 17.99% |
| Balance Transfer Transaction Fee | 3% of the amount of each transfer |
| Cash Advance APR | 17.99% |
| Penalty APR | 17.99% |
| Late Payment Penalty Fee | Up to $28 |
| Return Payment Penalty Fee | Up to $25 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Good Credit Fair Credit.
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PenFed Gold Visa® Card
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