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About Our Ratings
Credit Needed
Excellent

PenFed Defender American Express® Card Review

Top Features

Cashback on Gas
1.50%
Cashback on groceries
1.50%
Cashback on other
1.50%
Annual Fee
None

This card compared to other cash back cards

Cashback on Gas
1.50%
2% at U.S. gas stations
1-5%
Cashback on Groceries
1.50%
3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
1-5%
Cashback on other
1.50%
1% back on other purchases.
5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
Purchase Intro
APR:
N/A
APR:
0% on Purchases
Period:
for 12 months
APR:
0%
Period:
14 months
Purchase APR
10.49% (Variable) 
13.99%-24.99% Variable 
11.99% - 23.99% Variable 
Rates and Fees
CardRatings.com Editorial Staff

PenFed Defender American Express® Card details

Balance Transfer Intro APR:
4.99% APR promotional balance transfer rate for 12 months on Balance Transfers made January 1, 2017 - March 31, 2017
Balance Transfer Intro Period:
12 months
Purchase Intro:
APR:
N/A
Purchase APR:
10.49% (Variable)
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 6.74%
 6.74%
 6.74%
APR:
  10.49% (Variable)
 10.49% (Variable)
 10.49% (Variable)
APR Floor:
 None
 N/A
 N/A
Intro Rate:
 N/A
 4.99% APR promotional balance transfer rate for 12 months on Balance Transfers made January 1, 2017 - March 31, 2017
 N/A
Intro Period:
 N/A
 12 months
 N/A


Finance Calculation Method:
 Average Daily Balance (including new purchases)
Default/Penalty APR:
 None
Default/Penalty Margin:
 None
Default/Penalty APR Floor:
 None
Penalty/Default Trigger:
 None

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 None
Late Fee:
 None
Over-the-limit Fee:
 None
Balance Transfer Fee:
None  


Notes:

Rebate Description:
 1.50% cash back on every purchase. Rewards are unlimited and cash back is automatically credited to your account every month.
Special Notes:
 Must be a Pentagon Federal Credit Union member. Must be in military service, the National Guard, the Reserves, or an honorably discharged Veteran of the United States Military to apply for this credit card. No Annual Fee. No Balance Transfer fees. No Late Payment Fees. No Penalty APR. Absolutely no fees.
Credit Card More Information:

Card Issued By:
 Pentagon Federal Credit Union
General Correspondence Address:
PO Box 1432
Alexandria, VA 22313
Card Type:
 American Express
Card Class:
 Other
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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Apply online for Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

  • $100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express(R) Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
Terms and Limitations Apply
Credit Needed:
Excellent, Good
Apply online for Discover it® - Cashback Match™

Discover it® - Cashback Match™

  • You could turn $200 into $400 with Cashback Match(TM). Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO(R) Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO(R) Credit Score terms, Cashback Match(TM) details & other information.
Credit Needed:
Excellent, Good