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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

Card Name
PenFed Defender American Express® Card
Cashback on Gas
1.50%
1.5%
1%
Cashback on Groceries
1.50%
1.5%
1%
Cashback on other
1.50%
1.5%
5% cash back in categories that change each quarter like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
Purchase Intro
APR:
N/A
APR:
0%
Period:
for 15 Months
APR:
0%
Period:
for 12 months
Purchase APR
8.99% to 17.99% when you open your account based on your creditworthiness (Variable)
14.24%-23.24% (Variable) 
11.24% - 23.24% Variable 
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, 2016 - March 31, 2016.
Balance Transfer Intro Period:
12 months
Purchase Intro:
APR:
N/A
Purchase APR:
8.99% to 17.99% when you open your account based on your creditworthiness
Annual Fee:
None
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Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 5.74% - 14.74%
 5.74% - 14.74%
 5.74% - 14.74%
APR:
  8.99% to 17.99% when you open your account based on your creditworthiness
(Variable)
 8.99% to 17.99% when you open your account based on your creditworthiness
 8.99% to 17.99% when you open your account based on your creditworthiness
APR Floor:
 None
 None
 None
Intro Rate:
 N/A
 4.99% APR promotional balance transfer rate for 12 months on Balance Transfers made January 1, 2016 - March 31, 2016.
 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. APR Notes: On the first Tuesday of the first full week of the month, card issuer determines what the Prime Rate is as published in the Wall Street Journal, then adds a margin as set forth in the Summary of Terms issued with your card to the Prime Rate to get the APR for the following month. Rates reflected are in effect as of 1/23/2016, based on an effective Prime Rate of 3.25%. 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
Card Type:
 American Express
Card Class:
 Other
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 $1000 min.
Maximum Credit Limit:
 $50000 max.
Credit Limit Notes:
 

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Apply online for Chase Freedom Unlimited℠

Chase Freedom Unlimited℠

  • NEW! Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash - any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Credit Needed:
Excellent/Good
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Credit Needed:
Excellent/Good