Applying for the PenFed Gold Visa® Card: learn how!

Find out how the PenFed Gold Visa® Card application process works. Pay no annual fee and enjoy several Visa perks. Read on and learn more!


by Thais Daou

02/04/2023 | Updated on 02/09/2023

PenFed Gold Visa® Card: 0% intro APR for 15 months

Penfed logo
Applying for the PenFed Gold Visa® Card: learn how! Source: Stealth Capitalist

Did the PenFed Gold Visa® Card catch your eye? Well, then, keep reading our full article and learn how its application process works.


Credit Card

PenFed Gold Visa® Card

$0 annual fee Visa Perks

15-month 0% intro APR on purchases and balance transfers.

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We’ve made it simple for you! So stick with us and learn how to get your PenFed Gold Visa® Card easily! Let’s go!

Apply online

Those interested in applying for this card can access Penfed’s official website to get started!

Find the credit card you want at their main menu, a select the “Apply Now” option. Next, you’ll view two options:

Apply online as a non-member

If you’re not a member, you can join easily. Membership comes before credit cards. First, you must fill out a form to create your account.

Further, non-members who want this card must complete an application and deposit $5 in a PenFed savings account.

Apply online as a member

Everything will go more quickly if you are a member. Simply put, your form will be pre-filled for you. is their member portal. Your application can be made at any time and in any place.

After filling out your card application, you will receive the result. If approved, you can enjoy your PenFed Gold card as your wish.

Apply using the app

Penfed also offers an excellent mobile app for its customers. However, the application can only be made through their official website.

Still, once approved, you can enjoy the Penfed Mobile app to manage your account, make payments, and more!

PenFed Gold Visa® Card vs. First Digital Mastercard®

Smiling Man making online payment on tablet computer holding credit card.
With this credit card, you pay no annual fee. Source: Adobe Stock

No worries if you want to consider other credit card options before deciding. We’ve got you!

Meet the First Digital Mastercard ®! This card accepts applicants with poor credit and helps them build it! Isn’t it great!

Compare below both cards’ main features to help you decide!

PenFed Gold Visa® Card

  • Credit Score: Good to excellent;
  • Annual Fee: $0;
  • Regular APR: 0% intro APR for 15 months from account opening. 15.49% to 17.99% variable after;
  • Welcome Bonus: N/A;
  •  Rewards: N/A.

First Digital Mastercard®

  • Credit Score: At least 300;
  • Annual Fee: $75.00 for the first year. After that, $48.00 annually;
  • Regular APR: 35.99% variable APR for purchases and cash advances;
  • Welcome bonus: N/A;
  • Rewards: N/A.

Has the First Digital Mastercard® got your attention? Great! Read our following article and learn how to apply for this credit card option!

First Digital logo

Applying for the First Digital Mastercard®

Improving your credit score is a big challenge, but the First Digital Mastercard® can help. Learn how to apply!

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About the author

Thais Daou

Thais Daou holds an undergraduate degree in Languages — Translating and Interpreting from São Judas Tadeu University. She has been translating, proofreading, and transcribing financial documents, as well as other fields, for five years. And now, she begins a new chapter in her career, writing about financial solutions in a simplified way, with a desire to spread this knowledge.

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