The PenFed Pathfinder Rewards Visa Signature Card is a card that offers a great bonus on travel purchases and offers premium travel perks for military members and qualifying PenFed accountholders. It currently has a welcome bonus of 50,000 Bonus Points if you spend $3,000 in the first 90 days of account opening.
With no annual fee, cardholders earn 4X points on travel purchases through the PenFed Honors Advantage program, 3X points on travel purchases for all other card holders, and 1.5X points on all other purchases unrelated to travel. It also offers $100 annual air travel credit to cover incidental expenses on many major airlines when traveling.
Find out if this is the right card for you with the benefits discussed down below.
| Chase Sapphire Preferred Card 100K Points* | Citi Premier® Card 60K Points* |
| The Platinum Card® from American Express 75K Points* | Capital One Venture Rewards Credit Card 100K Points* |
| American Express® Gold Card 60K Points* | Citi CustomSM Cash Card $200 Bonus* |
| Chase Freedom Flex $200 Bonus* | Chase Freedom Unlimited Card $200 Bonus* |
| Blue Cash Preferred® Card from American Express $150 Bonus* | Blue Cash Everyday® Card from American Express $100 Bonus* |
| Chase Ink Business PreferredSM Card 100K Points* | Chase Ink Business UnlimitedSM Credit Card $750 Bonus* |
| U.S. Bank Altitude® Go Visa Signature® Card $200 Bonus* | Capital One Quicksilver Cash Rewards Card $200 Bonus* |
| Wells Fargo Platinum card 18 Months of 0% BT & Purchases | *Must make minimum spending requirement to earn bonus |
*You can also compare the PenFed Pathfinder Rewards Card card card to other credit card bonuses!
Table of Contents
- 1 PenFed Pathfinder Rewards Visa Signature Card Summary
- 2 PenFed Pathfinder Rewards Visa Signature Card 50,000 Bonus Points Offer
- 3 What Are Pathfinder Rewards Points Worth?
- 4 PenFed Pathfinder Rewards Card Eligibility
- 5 Why You Should Apply for This Card
- 6 PenFed Pathfinder Rewards Visa Signature Card Top Features
- 7 Bottom Line
PenFed Pathfinder Rewards Visa Signature Card Summary
| Bonus Available | Get 50,000 bonus points after you spend $3,000 within 90 days of opening an account. |
| *Bonus Value | $500 |
| Travel Credit | Enjoy $100 annual air travel credit. |
| Ongoing Rewards/Benefits | Earn 3 points (4 points if you’re a PenFed Honors Advantage member) for every $1 spent on all travel purchases.
1.5 points for every $1 spent on all other purchases. Receive credit for the Global Entry ($100) or TSA Precheck ($85) application fee. |
| Foreign Transaction Fees | No |
| Airport Lounge Access | No |
| Annual Fee | $0 |
(Visit PenFed.org to learn more about this card.)
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PenFed Pathfinder Rewards Visa Signature Card
50,000 Bonus Points Offer
You should take advantage of PenFed Pathfinder Rewards Visa Signature Card’s 50,000 bonus offer, this is valued around $500. All you have to do is charge at least $3,000 to your card within the first 90 days of opening your account.
Here are some ideas on meeting the spending requirements:
| • Plastiq - Using Plastiq allows you to pay for your personal expenses such as rent, tuition, mortgage, auto lease etc. Although they charge a 2.5% processing fee for using your credit card, this will contribute to the card bonus that you will receive. There is also a referral program that allows you to earn "Free-Free Dollars" that goes towards processing fees as well. |
| • Funding Checking Accounts - When it comes to funding a checking account, opening your initial deposit with a credit card is the usual way to go about it. However, if you want to have more opportunities, you should open a checking account that offers a sign-up bonus. This allows you to work towards bonuses from not one but two different sources instead. Banks like Chase, Huntington Bank, TD Bank and BBVA offers credit card funding, and for your opening deposit, you can often fund anywhere from $50-$1000 with a credit card, depending on the bank. |
| • Gift Card Purchases With Using a Credit Card - Another way to acquire the bonus is using your credit card to purchase gift cards. Buying a a gift card or an individual merchant card typically do not require a purchase fee and are used towards leisure, so gift cards are ideal. However, gift cards such as a Visa or American Express do incur purchase fees because they can be spent anywhere, but gift cards that are specifically for a certain online shopping site such as Amazon or eBay don't. |
| As for a Citi Credit Card, you should call customer service and ask them to lower your Cash Advance limit to $0 before making any purchases because Citi tends to read gift card purchases as a Cash Advance. Ideally, you should do this with any card just to be safe. Lastly, there is such thing as a discounted gift card which can be purchased on Raise or eBay. If you use a credit card often for everyday purchases, it can build your credit score that will contribute towards paying for things such as bills and taxes. |
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What Are Pathfinder Rewards Points Worth?
The value of your rewards depends on how you use them, each Pathfinder Rewards point is worth $0.01. When redeeming your Pathfinder Rewards points, you have a few options that includes:
- Travel reservations via PenFed’s travel site
- Airfare ($0.0085 – $0.009/point)
- Hotel ($0.018 – $0.0127/point)
- Gift cards ($0.0085/point)
- Merchandise ($0.0085/point)
In order to get the best value for your Pathfinder Rewards points, use them for PenFed travel reservations; particularly for hotel stays.
PenFed Pathfinder Rewards Card Eligibility
You’re required to join the PenFed credit union, before you can apply for the PenFed Pathfinder Rewards card. In order to qualify, you must meet one of the following:
- You are retired, honorably discharged or currently serving the U.S. military.
- You are an employee of a qualifying organization.
- You belong to a qualifying association or organization.
- You are an employee of the U.S. government.
- You live or work in an eligible location.
- You are a family member or housemate of someone who is eligible.
If you don’t meet any of the requirements listed above, you can join either National Military Family Association or Voices for America’s Troops to qualify. Please do not that minimal fees do apply.
Why You Should Apply for This Card
- Earn 50,000 Bonus Points by spending $3,000 in the first 90 days of account opening.
- Earn 4X points on travel purchases through the PenFed Honors Advantage program, 3X points on travel purchases for all other card holders, and 1.5X points on all other purchases unrelated to travel.
- Get all the neat perks without having to pay an annual fee.
PenFed Pathfinder Rewards Visa Signature Card Top Features
Use this card when traveling abroad without paying a foreign transaction fee to keep earning your rewards.
You’ll automatically receive statement credits when you charge airline fees from select domestic carriers. Eligible fees include baggage and ticket change fees as well as in-flight food, beverage, and entertainment.
This discount only applies to select domestic airlines, including:
Earn rewards on travel purchases at the higher 4x rate if you’re a PenFed Honors Advantage member. That requires military service or a PenFed Access America checking account.
The $100 statement credit toward the application fee for Global Entry or $85 statement credit toward the application fee for TSA PreCheck is automatically credited to your account soon after the charge is made. You can receive this application fee credit once every five years.
Along with this card, you’ll receive roadside assistance and travel and emergency assistance, baggage loss and delay insurance and travel accident insurance, auto loss and damage insurance, trip cancellation and interruption protection. With your purchases, you’ll benefit from extended warranty and purchase protection.
Bottom Line
The PenFed Pathfinder Rewards Visa Signature Card is one of the top travel cards available for military members, especially for those who are in the PenFed Honors Advantage program. If you’re looking for a credit card to fund your travels but don’t want to pay a high annual fee, this card may be the right option for your wallet.
It offers great opportunities to earn points on travel and everyday purchases, the freedom to redeem your points how you want, $100 Annual Air Travel Credit and $100 Global Entry or $85 TSA PreCheck benefits, which are benefits that are commonly found among travel rewards cards with an annual fee, and an exceptionally low APR.
If you’re more focused on collecting your points through grocery or gas, or you’d like the option to transfer your points, this may not be the right card for you. Feel free to browse our other featured credit card bonus promotions to find the one that best suits your needs.
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