PenFed Gold Visa Card – How to Apply

PenFed Gold Visa Card

if you are a card owner with an excellent credit score and you want to carry on with your balances from one month to another month, then the PenFed Gold Visa Card is just the best card for your use. As you get this card, you are also entitled to a low annual percentage rate of 8.99 percent, as this card is a card for annual percentage rates. Judging with this rate, it is said to be lower than the regular rate of credit cards.

PenFed Gold Visa Card - How to Apply

PenFed Gold Visa Card Features and Benefits

Th PenFed Gold Visa Card is said to be the best option for card owners who are qualified, most especially those who have a strong credit line. It is significant that you get to know the features and benefits of this card, as knowing the benefits can help you decide if the card is just suitable for your use.

  • A low annual percentage rate of 8.99 percent
  • There is no annual fee attached to the use of this card
  • There are no fees for cash advances
  • You get a free annual percentage rate for the first 12 months of the card account opening and 8.99 to 17.99 after then
  • There is no foreign transaction fee for international transactions
  • There is a chip added security for your card
  • You are under the coverage of travel and accident insurance
  • A zero-fraud liability
  • You get 100 dollars bonus reward when you spend up to 1,500 dollars in purchases within the first 3 months

PenFed Gold Visa Card Rates, Charges and Fees

  • Annual fee – 0 dollars
  • Annual percentage rate for balance transfers – 0 dollars for 12 months
  • Regular annual percentage rate – 8.99 percent to 17.99 percent
  • Annual percentage rate for purchases – none
  • Cash advance fee – 0 dollars
  • Balance transfer fee – 3 percent
  • Foreign transaction fee – 0 dollars
  • Charge for late payment – 25 dollars
  • Penalty annual percentage rate – 17.99 percent
  • Returned payment fee – 25 dollars

How to Apply for The PenFed Gold Visa Card

For you to apply for the PenFed Gold Visa Card, you have to visit the PenFed Credit Union site. But before your application, there are certain requirements and eligibility criteria to follow.

Eligibility criteria

  • Intending applicants must be up to 18 years and above
  • You must be a certified member of the PenFed Union
  • Applicant must be a permanent resident or citizen of the U.S

Now here’s How to Apply;

  • Visit the PenFed Union site on
  • At the top of the page, click on CARDS and select PenFed Gold – at the left side of the drop-down menu.
  • On the next page, click on APPLY NOW
  • On the application form, enter your name, email address, and date of birth
  • Your social security number and phone number
  • Fill in your financial status, employment status, annual income, and source of income
  • Go through the terms and conditions of the card and submit your application

How to Log in To PenFed Gold Visa Card

  • Go to
  • At the top right side of the page, click on LOGIN
  • Enter your username and click on LOGIN

How to Activate the PenFed Gold Visa Card

To activate your PenFed Gold Visa Card, you have to contact the PenFed Union on 1 –800 –247 –5626.

How to Recover PenFed Gold Visa Card Username and Password

if you have forgotten your PenFed username and password, here’s how to recover your details.

  • Go to
  • At the top right side of the page, click on LOGIN
  • Under the LOGIN button, click on I need help logging in
  • Click on the particular detail you would like to recover

Report Lost or Stolen Card

If your card should get lost or stolen, you can give the union a call at 1 –800 –247 –5626 to report the situation.

By mail

P.O Box 456

Alexandria, VA 22313- 0456.

How to Make Bill Payment with Your PenFed Gold Visa Card  

Payment of bills are made through mail.

P.O Box 247080

Omaha NE 68124- 7080.

PenFed Gold Visa Card Customer Care Service Number

For more enquiries, emergencies and other cases, you can contact at 1 –800 –247 –5626. 

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