Is PenFed Gold Visa® Card worth it?
PenFed Gold Visa® Card can be a fit for people comparing general cards from PenFed. The main things to weigh are the $0 annual fee, the rewards structure, and whether the benefits match your spending habits.
Rewards breakdown
Wafacard summary: this everyday credit card should be compared by its annual fee, issuer terms, reward fit, and benefit usefulness for your normal spending.
Intro offer: Intro APR terms may run for 15 months. Confirm eligible balances, purchases, and post-intro APR with the issuer.
Card details
Wafacard note: key fit signals include intro apr or transfer-focused terms, cell phone protection may be available, no yearly card fee. Availability, exclusions, and enrollment rules can vary by issuer terms.
- Network
- Visa
- Review status
- Terms reviewed 6/30/2026
Fees and terms
Rates and fees can change by applicant profile and issuer updates. Confirm current terms on the issuer website before applying.
- Annual fee
- No annual fee
- Purchase APR
- APR range: 17.99%
- Balance transfer APR
- 0% intro balance-transfer period for 15 months; variable APR applies after.
- Cash advance APR
- APR range: 17.99%
- Promo APR length
- 15 months
- Foreign transaction fee
- Check issuer terms
- Late payment fee
- Up to $28
- Grace period
- 25 days
- Recommended credit
- Excellent (720+)
- Terms last updated
- 6/22/2026
Key benefits
- Intro APR or transfer-focused terms
- Cell phone protection may be available
- No yearly card fee