PenFed

Credit union & card issuer · 3 live offers, $100 cash + points offers

PenFed at a glance

ChexSystems	Not applicabletypical
Credit pull	Hard inquiry for cards
Cooldowns	New cardholders only; often once per lifetime per cardtypical

Rows marked typical are the norm for this kind of institution, not something we have confirmed for PenFed. We replace them with its own terms as its offers are reviewed.

PenFed has 3 live sign-up bonuses we track, the biggest $100. Every offer below is verified against PenFed's own terms and carries the date we last checked it. We take no affiliate placement, so what appears and in what order reflects the offers, not payouts.

PenFed is a credit union & card issuer tracked here for its Power Cash Rewards bonus ($100 for $1,500 in purchases within 90 days of account opening). Credit union membership rules apply on top of the offer terms. Re-verify the current terms on the institution's own offer page.

Live offers

Pathfinder RewardsTravel card · $95 annual fee50K ptsChecked Aug 19, 2026 Pathfinder Rewards VisaTravel card · $95 annual fee50K ptsChecked Aug 19, 2026 Power Cash RewardsCash-back card · No annual fee$100Checked Aug 9, 2026

Common questions

What sign-up bonuses does PenFed have right now?

PenFed has 3 live sign-up bonuses, the biggest $100. See the full list above, each verified against PenFed's own terms.

Does PenFed use ChexSystems?

Not applicable

Does opening a PenFed account affect my credit?

Hard inquiry for cards

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