PenFed Promise Card
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PenFed Promise Card
- You must be a PenFed member to apply. Not yet a member? It's easy to join!
- You may be eligible through your employment, association membership, and volunteerism, or by becoming a member of one of our nonprofit partner organizations.
- Absolutely no fees—no annual fee, no foreign transaction fee, no balance transfer fee, no cash advance fee, no late fee, no over credit limit fee, and no penalty fee.
- 7.49% introductory purchase APR for the first 36 months. After that, the APR will vary with the market based on the Prime Rate, and is currently 9.99% APR.
- 4.99% APR promotional balance transfer rate for life of balance on transfers made between October 1, 2012, and December 31, 2012.
- After December 31, the APR for any new balance transfers will vary with the market based on the Prime Rate, and is currently 9.99%.
- No-fee cash advances carry a 9.99% variable APR.
Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews |
---|---|---|---|---|---|---|---|
Good Credit | Consumer | $0 | 4.99% for Life Of Balance* | 0% for 36 Months* | 9.99% (Variable) | None | 1 |