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If you’re looking for a no-annual-fee credit card to pay off larger purchases over multiple billing cycles without incurring higher interest, or you need to pay down credit card debt, the PenFed Gold Visa® Card is worth considering. Although you can’t earn cash-back rewards or points with the PenFed Gold Visa® Card, you can get one of the longest 0% introductory APR deals on the market. But if you’re not in need of an extremely long intro APR, there are plenty of other rewards cards with better offers.
Regular APR
10.49% – 17.99% Variable
Recommended Credit Score
Good to Excellent
- Introductory 0% APR on purchases and balance transfers
- Low APR after introductory period ends
- No annual fee or foreign transaction fees
- Must join PenFed credit union to apply for the card
- No welcome bonus offer or rewards earning
- Some other cards with similar intro APR offers earn rewards and have more benefits
- Our Lowest-Rate Card
- Benefits of this gold card include low APR and low promotional balance transfer APR. Go for the gold today!
- Low APR on all purchases
- 0% Introductory APR on purchases made within the first 15 months after account opening; 0% Balance Transfers Promo APR for 15 months. 3% fee applies to each transaction. Subject to credit approval. On transfers made from now until September 30, 2022. After that, the APR for the unpaid balance and any new balance transfers will be 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
- Annual Fee: $0
- Purchase Variable APR: 10.49% to 17.99%
- Refer to PenFed.org for Terms/Conditions
Review: Is the PenFed Gold Visa credit card worth it?
PenFed Gold vs Competitors
0% introductory APR on purchases made within the first 15 months after account opening; 0% balance transfers promo APR for 15 months. 3% fee applies to each transaction
Regular APR
10.49% – 17.99% Variable
Earn 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
0% intro APR on purchases and balance transfers for the first 15 months
Regular APR
16.49% – 25.24% Variable
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Read More:0% Intro APR for 15 Months
2022-08-26 22:11:52
