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Apply online for PenFed Platinum Cash Rewards Visa® Card
About Our Ratings
Credit Needed
Excellent

Top Features

Cashback on Gas
Up to 5% cash back on gas purchases paid at the pump*
Cashback on groceries
N/A
Cashback on other
N/A
Purchase APR
10.24% to 17.99% when you open your account, based on your credit worthiness.* Your APR will vary with the market based on the Prime Rate.

This card compared to other cash back cards

Cashback on Gas
Up to 5% cash back on gas purchases paid at the pump*
1% When You Buy, 1% As You Pay
Up to 3%
Cashback on Groceries
N/A
1% When You Buy, 1% As You Pay
Up to 2% at grocery stores
Cashback on other
N/A
1% When You Buy, 1% As You Pay
1%
Purchase APR
10.24% to 17.99% when you open your account, based on your credit worthiness.* Your APR will vary with the market based on the Prime Rate.
13.24% - 23.24%* (Variable) 
13.24% - 23.24% Variable APR on purchases and balance transfers 
Rates and Fees
This card is best for eligible credit union members seeking cash back rewards on gas purchases paid at the pump and a decent APR.
CardRatings.com Editorial Staff

PenFed Platinum Cash Rewards Visa® Card details

Balance Transfer Intro APR
0%
Balance Transfer Intro Period
12 months
Purchase Intro
APR:
N/A
Purchase APR
10.24% to 17.99% when you open your account, based on your credit worthiness.* Your APR will vary with the market based on the Prime Rate. 
Annual Fee
See terms
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 6.74 - 14.74
 6.74 - 14.74
 6.74 - 14.74
APR:
  10.24% to 17.99% when you open your account, based on your credit worthiness.* Your APR will vary with the market based on the Prime Rate.
 10.24% to 17.99% when you open your account, based on your credit worthiness.* Your APR will vary with the market based on the Prime Rate.
 9.99% - 17.99%
APR Floor:
 None
 None
 None
Intro Rate:
 N/A
 0%
 N/A
Intro Period:
 N/A
 12 months
 None


Finance Calculation Method:
 Average Daily Balance (including new purchases)
Default/Penalty APR:
 17.99%
Default/Penalty Margin:
 N/A
Default/Penalty APR Floor:
 None
Penalty/Default Trigger:
 

Credit Card Fee Information:


Annual Fee:
 See terms
Foreign Transaction Fee:
 None
Late Fee:
 Up to $25
Over-the-limit Fee:
 0% ( $0 max.)
Balance Transfer Fee:
3% per transaction  


Notes:

Rebate Description:
 For a limited time, earn a $100 bonus statement credit when you spend $1,500 in the first 90 days. Earn 3 or 5% cash back on gas purchases paid at the pump. You can earn 5% on gas purchases paid at the pump and avoid an annual fee by obtaining a qualifying PenFed product, such as checking account, money market certificate, mortgage, home equity line and others (see website for details and conditions).
Special Notes:
 Plus Card: 5% cash back on gas purchases paid at the pump and no annual fee. Standard Card: 3% cash back on gas purchases paid at the pump and no annual fee for the first year, then $25.
Credit Card More Information:

Card Issued By:
 Pentagon Federal Credit Union
General Correspondence Address:
 PO Box 1432
Card Type:
 Visa
Card Class:
 Platinum
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 $500 min.
Maximum Credit Limit:
 $50000 max.
Credit Limit Notes:
 

What Pentagon Federal Credit Union says about this card

  • 0% APR promo balance transfer rate for 12 mos. After that, the APR for the unpaid balance and any new balance transfers will be 10.24% to 17.99%. APR will vary with the market based on Prime Rate. 3% balance transfer fee per transaction. Subject to credit approval. $100 bonus after spending $1,500 in purchase transactions within 3 months of account opening.
  • Rate and offers current as of April 1, 2016 and subject to change.
  • PenFed Platinum Cash Rewards Plus Card features 5% cash back on gas purchases paid at the pump. Fuel purchases for airplanes and boats do not receive cash back rewards
    • Cash rewards automatically awarded to your account every month
    • No caps, limits or tiers on rewards
    • No annual fee
    • No foreign transaction fee
  • PenFed Platinum Cash Rewards Standard Card Features 3% cash back on gas purchases paid at the pump. Fuel purchases for airplanes and boats do not receive cash back rewards
    • Cash rewards automatically awarded to your account every month.
    • No caps, limits or tiers on rewards
    • No annual fee for the first year, then $25
    • No foreign transaction fee
  • See application for Plus qualification requirements
  • Federally insured by NCUA

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Special offers
Currently available on the PenFed Platinum Cash Rewards Visa® Card
$100 bonus
After spending $1,500 in purchase transactions within 3 months of account opening.

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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