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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%
Purchase APR
8.99% to 17.99% when you open your account based on your creditworthiness (Variable)

This card compared to other cash back cards

Card Name
PenFed Defender American Express® Card
Cashback on Gas
1.50%
1% When You Buy, 1% As You Pay
Up to 3%
Cashback on Groceries
1.50%
1% When You Buy, 1% As You Pay
Up to 2% at grocery stores
Cashback on other
1.50%
1% When You Buy, 1% As You Pay
1%
Purchase APR
8.99% to 17.99% when you open your account based on your creditworthiness (Variable)
13.24% - 23.24%* (Variable) 
13.24% - 23.24% Variable APR on purchases and balance transfers 
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, 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 Citi® Double Cash Card

Citi® Double Cash Card

  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*
Credit Needed:
Excellent/Good
Apply online for BankAmericard Cash Rewards™ Credit Card

BankAmericard Cash Rewards™ Credit Card

  • No annual fee
  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and 3% on gas up to the first $1,500 in combined grocery/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America(R) checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards
Credit Needed:
Excellent/Good