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Gold Visa® Card
Nothing beats zero
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 the first 15 months after account opening. After that, the APR for any unpaid purchase balance and any new purchases will be 17.99% based on your creditworthiness and will vary with the market based on the prime rate. 0% introductory APR for 15 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 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: 17.99%
Refer to PenFed.org for Terms/Conditions
- APPLY NOW for the Gold Visa® Card
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Gold Visa® Card Review
May 24, 2022
The Gold Visa® Card from PenFed is for people in search of a simple credit card with minimal interest charges. There is no formal rewards program or welcome offer, instead, the offer is built primarily around low interest rates. Up until September 30, 2022, PenFed is offering a 0% intro APR period on balance transfers which makes this credit card a great option for those looking to pay off debt or finance a large purchase.
PenFed offers a comprehensive 24/7 digital banking experience to their customers. As a cardholder you can access your account online or through PenFed's mobile app to make payments, transfer balances, check your credit, etc. The experience make a big difference for those who seek a simpler interface to deal with.
The card is also digital wallet enabled, which allows you to make contactless payments via Apple Pay®, Google Pay™, and Samsung Pay. This adds to the convenience factor of the credit card as you can just tap your phone to the card reader to make payments.
Consumer protection is an important aspect of every credit product. In this case, all PenFed credit cards are backed by Visa's Zero Liability Policy which protects you from financial liability in case of information theft and unauthorized transactions.
In the end, this is an ideal option for the fee-averse cardholders looking to consolidate their debt. There is no annual fee which makes it practically free to own and in case you need to travel outside of the U.S., you won't need to worry about foreign transaction fees either.
Serious Security
100% Free
