RateHerald

Our illustration, not the card’s design

PenFed credit card

Pathfinder® Rewards Visa®

$95 a year. Purchase APR 18.24%.

Checked Nov 1, 2026Updated

Annual fee
CFPB credit card survey, Dec 2025
Purchase APR
CFPB credit card survey, Dec 2025

Select an underlined figure to see where it comes from.

In dollars

What it’s worth

This card’s rewards are on the issuer’s page; we haven’t confirmed them for this page yet, so we can’t put a dollar value on it. Its fees and rates are below.

Against the market

How it compares

  • Lower top APR than about 75% of the 651 cards we track.

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Every figure with its receipt

Rates and fees

Annual feeCFPB credit card survey, Dec 2025
Purchase APRCFPB credit card survey, Dec 2025

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

Questions

What is the annual fee?
$95 · CFPB credit card survey, Dec 2025, since Oct 4, 2026
What is the purchase APR?
18.24% APR · CFPB credit card survey, Dec 2025, since Oct 10, 2026
See it on penfed.org

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