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

Fact sheet for the PenFed Pathfinder Rewards® Visa Signature® Card, issued by PenFed, with a $95 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	$95 a year
Fee waiver	$95 annual fee
Rewards	Points: 3 Points per $1 on travel and 2 Points per $1 on dining (Honors Advantage members earn an additional 1 Point per $1 on travel and dining: 4X/3X); 1.5 Points per $1 on other purchases. $100 annual domestic air ancillary travel credit, Global Entry/TSA PreCheck credit, Priority Pass membership.
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	50K points for $3,000 spend in the first 90 days.
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.