PenFed Defender Rewards™ Visa Signature® Card: annual fee, APR and rewards

Fact sheet for the PenFed Defender Rewards™ Visa Signature® Card, issued by PenFed, with no annual fee, an intro APR offer and points. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	PenFed
Network	Visa
Annual fee	$0
Rewards	Points: 5X points on gas at the pump and EV charging; 3X at sporting goods stores, military exchange stores and commissaries (program rules also list 3X on dining, supermarkets and streaming/cable/satellite); 1X on all other purchases.
Purchase APR	17.99% when you open your account based on your creditworthiness. Your APR will vary with the market based on the Prime Rate.
Intro APR	0% introductory APR for 12 months on balance transfers made in the first 60 days after account opening. After that, the APR for the unpaid balance will be a standard non-variable rate of 17.99%.
Balance transfer fee	3% per transaction
Sign-up bonus	Eligible accounts will receive a one-time 15,000 point bonus upon spending $1,500 in qualified purchase transactions within 90 days of account opening.
Foreign transaction fee	None
Credit level	Excellent, Good