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
This card is built for someone who wants uncomplicated cash-back and does not want to track categories, rotating bonuses, or travel partners. It works best as a simple everyday spending card, especially for cardholders who value a flat return on every purchase over extra perks.

All information about Power Cash Rewards Visa Signature® has been collected independently by MaxRewards. Power Cash Rewards Visa Signature® is no longer available through MaxRewards.
General daily spending
One-card simplicity
No annual fee spending
The Power Cash Rewards Visa Signature® is worth a look if your main goal is straightforward rewards with no annual fee. A flat 1.5% back on purchases is easy to use, easy to understand, and fits households that put a wide mix of spending on one card rather than concentrating in a few bonus categories.
The tradeoff is that simplicity is doing most of the work here. There are no listed ongoing benefits to help separate it from other no-fee cards, and a 1.5% flat rate is solid but not especially hard to beat. If you want a low-maintenance card and value a clean setup, it does the job well. If you are willing to manage categories or want richer flat-rate rewards, you will likely find stronger long-term value elsewhere.

This is a straightforward fit for someone who wants steady cash-back on everyday purchases without an annual fee or extra complexity. Its main limitation is simple: beyond the flat rewards rate, there is not much else here to drive outsized value.
Rewards percent based on a valuation of 1¢ per PenFed point
The rewards setup is very simple: you earn PenFed points at a flat rate on every purchase, with no categories to activate or spending mix to manage. That makes this card easy to evaluate as an everyday option, since the question is really whether a consistent 1.5% return fits your spending better than more specialized cards.
Everywhere
Est. Annual Rewards
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.
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.
50,000 Points
Worth $500
After you spend $3,000 on purchases on your new card in your first 3 months of card membership.
Annual Fee
$95
Rec. Credit
Good
25,000 Points
Worth $250
After you spend $2,500 on purchases on your new card in your first 3 months of card membership.
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.
Annual Fee
$0
Rec. Credit
Good