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About Our Ratings

PenFed Defender American Express® Card Review

PenFed Defender American Express® Card details

Balance Transfer Intro APR:
4.99% Fixed
Balance Transfer Intro Period:
48 months
Purchase Intro:
APR:
6.99% Fixed
Period:
60 months
Purchase APR:
9.99% Variable
Annual Fee:
None
see more details ∨

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 prime
 
 
Margin:
 6.74
 6.74
 6.74
APR:
  9.99% Variable
 9.99% Variable
 9.99% Variable
APR Floor:
 None
 None
 None
Intro Rate:
 6.99% Fixed
 4.99% Fixed
 None
Intro Period:
 60 months
 48 months
 None


Finance Calculation Method:
 Average Daily Balance
Default/Penalty APR:
 None
Default/Penalty Margin:
 None
Default/Penalty APR Floor:
 
Penalty/Default Trigger:
 

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 for Purchases: 6.99% introductory APR for 60 months. After that, your APR will vary with the market based on the Prime Rate, and is currently 9.99%. APR for Balance Transfers: 4.99% promotional rate for 48 months on transfers made between October 1, 2014 and October 31, 2014. After that, the APR for the unpaid balance and any new balance transfers will vary with the market based on the Prime Rate and is currently 9.99%. Grace Period: The due date is at least 25 days after the close of each billing cycle. The card company will not charge you interest on purchases if you pay your entire balance by the due date each month. 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:
 ALL
Minimum Credit Limit:
 $1000 min.
Maximum Credit Limit:
 $50000 max.
Credit Limit Notes:
 

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About Our Ratings ×

Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. Ratings vary by category, and the same card may receive a certain number of stars in one category and a higher or lower number in another.

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