PenFed Gold Visa® Card

Credit Card Details
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0% Balance Transfers Promo APR for 15 months

Card Brand Visa®

Credit Recommended Good/Excellent

Regular Purchase APR 16.49% to 17.99% Variable

Annual Fee $0.00

Intro Purchase APR n/a

Intro Balance Transfer APR n/a


  • Our Lowest-Rate Card
  • Benefits of this gold card include low APR and low promotional balance transfer APR. Go for the gold today!
  • LOW APR on all purchases
  • 0% Introductory APR on purchases made the first 15 months after account opening. After that, the APR for any unpaid purchase balance and any new purchases will be 16.49% to 17.99% based on your creditworthiness and will vary with the market based on the prime rate. 0% introductory APR for 15 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.

Additional Info

  • Annual Fee: $0
  • Purchase Variable APR: 16.49% to 17.99%
  • Refer to for Terms/Conditions


Regular APR 16.49% to 17.99% Variable
Annual Fee $0.00
Intro (Purchases) n/a
Intro (Transfers) n/a
Credit Recommended Good/Excellent
Cash Advance APR See Terms
Cash Advance Fee See Terms
Cash Grace Period n/a
Late Payment Fee See Terms
Overlimit Fee See Terms
Return Check Fee See Terms
Foreign Transaction Fee See Terms
Balance Transfer Fee 3% fee applies to each transaction
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