PenFed · Visa
PenFed Power Cash Rewards Visa Signature®
25 / 100
Annual Fee
$0
Sign-Up Bonus
N/A
Base Rate
1.5x
on everything
Best For
Flat-rate cash back seekers who don't want to think about categories
Reward Categories
gas
3xGas stations
Everything else1.5x
Point value: 0.01¢ each
Key Benefits
No Annual Fee
No Foreign Transaction Fees(~$30/yr)
Pros & Cons
Pros
- + Uncapped 2% on everything with no annual fee (requires PenFed checking)
- + 3% on gas is a nice bonus
- + No foreign transaction fees
- + Credit union — often more favorable terms
Cons
- - Must be PenFed member (free to join but extra step)
- - 1.5% base without checking account (2% requires checking)
- - No sign-up bonus currently
- - Less well-known brand
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Recommended credit score: 680+
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