PenFed Pathfinder Reward Visa Signature Review 2022

Feb 12, 2024 By Triston Martin

The PenFed Pathfinder Reward Visa Signature Card is the best credit card for frequent fliers since it provides a generous annual bonus of $100 and a $100 credit against domestic travel expenses to its cardholders.

In addition, cardholders can accumulate points for making regular transactions. Please take advantage of the card's introductory 0% APR on balance transfers to make it easier to pay off your debt. Even though PenFed doesn't charge the $95 annual premium for current PenFed Honors Advantage Members, it's still well spent if you travel regularly.


For individuals who qualify to join the PenFed Credit Union, the Pathfinder Reward Visa Signature Card is a great credit card option. Fortunately, PenFed welcomes non-military members, unlike many other credit unions.

PenFed Honors Advantage members are exempt from paying the $95 annual charge that applies to the card. The Honors Advantage program is available to PenFed members who are active duty military or PenFed checking account holders.

Travel perks consist of a $100 account credit for domestic air ancillary fees, a $100 statement credit for applying for Global Entry or TSA PreCheck, and free access to a Priority Pass club. Such perks are more common on cards costing hundreds of dollars annually.


Gaining Benefits

With the Pathfinder Reward Visa Signature Card, PenFed Honors Advantage Members may earn 4 points per dollar on all travel categories, 3 points on all travel categories, and 1.5 points on all other transactions.

After spending $3,000 on purchases within the first three months after opening your PenFed Reward Visa Signature Card, you will receive 50,000 bonus points.

Reward Claiming

The PenFed Reward Visa Signature Card allows you to earn and spend points for travel, merchandise, and more. Cardholders can check out the rewards catalog to see what may be redeemed with a given credit card. Depending on the redemption, the value of your points might be anywhere from 0.85 cents to 1 cent.

Possibilities of Benefits

We analyzed the PenFed Reward Visa Signature Card's enhanced rewards categories and estimated the amount a typical American family would spend in those areas to determine the card's potential rewards.

It compiles data from several government sources to produce income and expenditure benchmarks for various life stages and occupations. It is estimated that the 70th percentile of earners will spend $107,908 each year.

The PenFed Pathfinder Rewards American Express Card

Bonus points for all kinds of spending, not just vacations. Every dollar spent on travel earns four points for those in the military or who have an Access America bank account with PenFed. Even if you don't have a military affiliation or an Access America bank account, you may still earn a critical 3 points for every $1 spent on travel.

1.5 points are returned for every $1 spent on everything else, without exception. This is a highly unusual mix of a high return rate and bonus categories. Features often only seen on cards with hefty annual costs Each year, cardholders will receive a $100 air travel credit, and every five years, cardholders will receive a $100 credit against the application fee for TSA PreCheck or Global Entry.

Travel Insurance And Other Precautions

This card covers travel emergencies and provides the kind of purchase protection often reserved for cards costing $95 or more a year. There is also coverage for travel cancellation, trip delay, lost baggage, and rental car insurance, among other things.

How To Apply For The PenFed Pathfinder Rewards American Express Card

You must become a member of PenFed, a credit union before you can apply for the PenFed Pathfinder Rewards American Express® Card. To become a member of PenFed, you or a member of your family must have a connection to the armed forces, the government, or an eligible organization.

This card's best feature is its ability to earn four points per dollar on travel expenditures, but you need to be in the military or have a PenFed Access America bank account to take advantage of this. PenFed may issue this card. However, it is affiliated with the American Express payment network, which is not as frequently recognized as Visa or Mastercard.

Final Thoughts

Even the finest card can win every game, but this one could be the closest. This might be your go-to credit card if you do a lot of shopping, as the benefits you earn from travel and everyday purchases are substantial. In addition, it offers perks like travel statement credits and other bonuses often reserved for cards that cost $95 a year or more.

But there is no annual charge with the PenFed Pathfinder Rewards American Express Card. It would be a mistake not to explore this card if travel and transportation costs like these make up a significant portion of your budget and you are open to trying a credit union.

Related Articles