50,000 Points
Worth $500
After you spend $3,000 on purchases on your new card in your first 3 months of card membership.
- 3%Travel
- 1.5%Everywhere
Annual Fee
$95
Rec. Credit
Good
Pentagon Federal Credit Union
Gold Visa®
This card is built for PenFed members who want a no-annual-fee Visa and are not chasing rewards or premium perks. It works more as a basic spending card than a strategy card, with its strongest appeal tied to simplicity and issuer loyalty rather than ongoing value.
Annual Fee
$0
Rec. Credit Score
Good
Good For
Basic no-fee spending
All information about Gold Visa® has been collected independently by MaxRewards. Gold Visa® is no longer available through MaxRewards.
Is the Gold Visa® worth it?
This card is great for...
Simple everyday purchases
No annual fee cardholding
PenFed relationship banking
For most readers, this card is hard to recommend on rewards value alone. It does not offer bonus categories, meaningful ongoing earnings, or listed benefits that would help it stand out from other no-annual-fee cards.
It makes the most sense for someone who specifically wants a PenFed-issued Visa for basic purchases and cares more about keeping a simple extra card in the wallet than earning cash back or travel rewards. If your goal is to get stronger everyday value from your spending, most no-annual-fee cards offer a clearer return.
MaxRewards Verdict
The Gold Visa® fits someone who wants a straightforward PenFed card with no annual fee and little else to manage. For nearly anyone focused on rewards or card benefits, there are stronger no-fee alternatives.
Welcome Offer
100 None after you spend $1,500 on purchases on your new card in your first 3 months of card membership.
Est. Value
$0
Required Spend
$1,500
Time Frame
3 Months
Est. Value
$0
Required Spend
$1,500
Time Frame
3 Months
What's your average monthly spend?
You should easily hit the bonus threshold with this spend!
Recommended Minimum Credit
Min: Good
Poor
Fair
Good
Excellent
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Rates & Fees
Annual Fee
$0
Foreign Transaction Fee
None
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Other cards from Pentagon Federal Credit Union
25,000 Points
Worth $250
After you spend $2,500 on purchases on your new card in your first 3 months of card membership.
- 3%Travel
- 1.5%Everywhere
Annual Fee
$0
Rec. Credit
Good
100 Points
Worth $1
After you spend $1,500 on purchases on your new card in your first 3 months of card membership.
- 5%EV Charging
- 5%Gas
- 3%Dining
Annual Fee
$0
Rec. Credit
Good