Our illustration, not the card’s design
PenFed credit card
PenFed Gold Credit Card
No annual fee. Purchase APR 16.99–18.24%.
Checked Nov 1, 2026Updated
- Annual fee
- CFPB credit card survey, Dec 2025Receipt · Annual feeChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · penfed.org
The source states this figure; we have no exact sentence on file yet.
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
- No annual fee, like about 85% of the 711 cards we track.
- 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 fee | Receipt · Annual feeChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · penfed.org The source states this figure; we have no exact sentence on file yet. |
Before you apply
- 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).
- 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?
- $0 · CFPB credit card survey, Dec 2025, since Oct 4, 2026
- What is the purchase APR?
- 16.99–18.24% APR · CFPB credit card survey, Dec 2025, since Oct 10, 2026