PenFed Defender Rewards™ Visa Signature® Card
PenFed Credit Union · VISA
The PenFed Defender Rewards™ Visa Signature® Card is a credit card from PenFed Credit Union on the Visa network. It has an annual fee of $0. It earns 5x on gas & fuel.
Key facts
- Annual fee
- $0
- Purchase APR
- 16.49% - 17.99% variable APR
- Intro APR
- 0% introductory APR for 12 months on balance transfers made in the first
- Network
- VISA
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Gas & fuel | 5x | 5x on gas and EV charging |
Benefits and perks
- Rewards built for military life
- Bonus points
- BALANCE TRANSFER OFFER FOR PENFED PLATINUM REWARDS VISA SIGNATURE® CARDHOLDERS
- Turn everyday spending into rewards
- No rotating categories
- Earn on everything
- Cardholder benefits
- Cell Phone Protection
- Exclusive Offers & Discounts
- Access to Luxury Hotel Collection
- No Foreign Transaction Fees
- Travel Accident Coverage
Rates and fees
Annual membership fee: $0. Purchase APR: 16.49% - 17.99% variable APR, based on creditworthiness and the Prime Rate. Introductory purchase APR: 0% introductory APR for 12 months on balance transfers made in the first .
Rates and fees as published by the issuer and recorded on 1 Nov 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the PenFed Defender Rewards™ Visa Signature® Card
What is the annual fee on the PenFed Defender Rewards™ Visa Signature® Card?
The PenFed Defender Rewards™ Visa Signature® Card has an annual fee of $0.
What rewards does the PenFed Defender Rewards™ Visa Signature® Card earn?
The PenFed Defender Rewards™ Visa Signature® Card earns 5x on gas & fuel.
Is the PenFed Defender Rewards™ Visa Signature® Card worth it?
The PenFed Defender Rewards™ Visa Signature® Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
Community
Approval and real earn reports from cardholders are coming to this page soon.
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