PenFed Gold Visa® Card: annual fee, APR and rewards

Fact sheet for the PenFed Gold Visa® Card, issued by PenFed, with no annual fee and an intro APR offer. 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	No rewards
Purchase APR	After that, the APR for the unpaid purchase balance and any new purchases will be 17.99% based on your creditworthiness and will vary with the market based on the Prime Rate.
Intro APR	0% introductory APR on purchases made the first 15 months after account opening; 0% introductory APR for 15 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
Foreign transaction fee	None
Credit level	Excellent, Good

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 17.99%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.