Credit Cards
PenFed Gold Visa® Card full review
Discover if the PenFed Gold Visa® Card is the right option for you! Get 0% intro APR for 15 months and more! Keep reading to find out!
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by Thais Daou
PenFed Gold Visa® Card: $0 annual fee
Are you looking for a new credit card with good benefits? Then read our PenFed Gold Visa® Card review and learn more about this amazing product.
It charges no annual fee and offers competitive interest rates! So don’t look any further. Keep reading and learn more!
- 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.
How does the PenFed Gold Visa® Card work?
PenFed Gold Visa® Card is a member of the Penfed credit card family. It delivers useful features for those who want to save while relying on credit.
Firstly, they have the amazing offer of 0% APR for purchases and balance transfers in their 1st 15 months.
After this period, customers can count on a variable APR of 15.49% to 17.99%, which is lower than the average.
Cardholders also won’t have to pay annual or foreign transaction fees. Plus, they can count on 24/7 Fraud Monitoring, mobile wallets, and Visa Secure Remote Commerce.
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PenFed Gold Visa® Card pros and cons
PenFed, one of America’s largest credit unions, serves nearly two million members worldwide. This is a good sign, right?
Well, check out the pros and cons of the PenFed Gold Visa® Card to help you decide!
Pros
- No annual fee;
- No foreign transaction fee;
- 0% APR on balance transfers and purchases for 15 months;
- Lower than average APR after the introductory period;
- Visa benefits.
Cons
- No welcome bonus;
- No reward program;
- To apply for this card, you need to join PenFed membership.
Does my credit score need to be good?
Since PenFed Gold Visa® Card provides some gold perks, it requires applications to have good credit.
As a result, you must have a credit score of at least 690 to qualify for this card. Remember that the higher your score, the better your chances.
Want to apply for the PenFed Gold Visa® Card?
If you liked our PenFed Gold Visa® Card review and are considering applying for it, read our following article.
We’ll walk you through their full application process! Are you ready? Then let’s get started!
Thais Daou
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