PenFed Patherfinder Rewards Card Review


The PenFed Pathfinder Rewards American Express® Card

  • 3x Points for all travel purchases
  • 4x Points for travel if you are a PenFed Honors Advantage Member
  • 1.5x Points for all other purchases where AMEX is accepted
  • Earn 25,000 Point sign up bonus when spending requirements are met
  • $100 TSA Pre-check when using your Pathfind Card
  • $100 annual air travel credit (such as checked bags)
  • 0% APR on balance transfers for 12 months
  • Zero annual fee

PenFed Credit union offers clients The Pathfinder Rewards Credit Card.  This card has many of the features found with premium travel cards but has none of the fees.  This rare zero annual fee card deserves a hard look from any PenFed Customers.  Cardholders receive great features with big point reward rates and additional premium benefits.  Furthermore, The PenFed Pathfinder Rewards Card is proof that credit unions can easily compete with the credit offers provided by big banks.

PenFed Pathfinder Rewards Card
PenFed Pathfinder Rewards Card

Pathfinder Rewards Card Travel Benefits

As mentioned above, all cardholders will receive 3x points for any travel purchases with their card.  Cardholders will receive 4x points if they are PenFed Honors Advantage Member.  The PenFed Honors Advantage Program is reserved for US Military Veterans.  Furthermore, cardholders will earn 1.5x points for all other purchases.  Both of these return rates are extremely competitive against similar types of cards.

While the point earning structure with this card is great, some of the additional benefits are even better.  First, customers will receive $100 each year in incidental travel expenses.  This is a feature almost exclusively found with credit cards that have substantial annual fees.  The PenFed card has zero annual fee but still provides this great perk.  This would cover expenses like baggage fees, in flight food, or lounge access.  For frequent travelers, this perk will essentially be a free $100 every year when using your card.

Another huge benefit of The PenFed Pathfinder Rewards Card is $100 credit towards TSA Pre-check Applications.  You will need to use your card to qualify for this reimbursement just like the incidental travel fees.  TSA Pre-check is a must have for travelers.  The approval for this is good for 4 years.  This essentially amounts to an additional $25 in free cash each year for cardholders.

Redeeming Your PenFed Pathfinder Rewards

When you use your Pathfinder Credit Card you will you will earn points with every purchase.  Customers can redeem their points through the PenFed Rewards Redemption Center.  Rewards for cardholders include:

  • Travel rewards (airfare, lodging, etc.)
  • Gift card redemption
  • Shopping rewards

To access your account you will need to log in to your online account.  Once logged in you can view your Pathfinder Reward Point Balance and spend your points for rewards.  Cardholders will automatically be enrolled in this program upon approval for the card.  No additional action is needed to sign up for PenFed Rewards.  The best reward redemption rates will be when redeeming for travel as opposed to other options.  Let us know what rewards you found and what the value was in the comments below!

PenFed Pathfinder Card 25,000 Sign Up Bonus

Currently, new cardholders who are approved are able to earn an additional 25,000 bonus points.  Customers will need to spend $2,500 on their new account in the first 3 months of opening their account in order to qualify for this bonus.  Your PenFed Rewards Account will be updated with the 25,000 point bonus after completing the spending requirements.  The initial bonus is a one time offer available to new cardholders only.

Applying For The PenFed Pathfinder Credit Card

First, it is important to point out that this card is only available to PenFed Credit Union Members.  Membership for PenFed is reserved to individuals who have served in The US Armed Forces, work for the US Government, or related to someone who is in one of these groups.  Full information about membership eligibility can be found here.

For consumers who are lucky enough to be a PenFed member you can easily apply for the Pathfinder Card Online.  You will need to log in to your PenFed online account before you can access the Pathfinder Rewards application.  Once you have accessed the application you will provide you personal contact information, basic financial information and agree to the PenFed Cardholder agreement.  Approval decisions are often provided right away.

PenFed Pathfinder American Express Card – Additional Benefits

  • 24/7 concierge service at no cost
  • Rates as low as 12.74% APR variable for purchases and cash advances
  • Manage your account through the PenFed Mobile App
  • Travel insurance coverages
    • Roadside assistance
    • Baggage loss
    • Trip Cancelation

Typical premium reward travel cards have annual fees around $100.  Cardholders have no annual fee with the PenFed Pathfinder card but still get many of the benefits of these premium cards.  While the card is limited to PenFed members this is definitely a credit card all eligible consumers should strongly consider based on the great perks.

Not A PenFed Member?  Here Are some other travel cards to review!

Hilton Honors American Express Credit Card

Bank of American KLM World Elite MasterCard

IHG Rewards Credit Cards


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