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Banking RegistryReal data. Clear answers.Data as of Oct 4, 2026
Banking RegistryReal data. Clear answers.
PenFedPathfinder Rewards Visa Signature CardRegistry illustration · issuer artwork unavailable

Pathfinder Rewards Visa Signature CardPenFed · federal credit union, AZ · NCUA 227

CurrentLast observed Oct 4, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · unsecuredFiled as “PenFed Pathfinder® Rewards Visa Signature® Card”
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Purchase APR
17.99%
variable
Balance transfer
0% introductory · reported median duration 12 mo
no ongoing rate filed
Cash advance APR
17.99%
variable
Annual fee
$95
a year
Foreign fee
$0
Grace period
25 days
from cycle close

Rates and fees

Product terms with exact source passages
TermValueAs printed in the sourceSource
APR for purchasesintroductory rate first
IntroductoryNoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
17.99% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
APR for balance transfersintroductory rate first0% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
APR for cash advances17.99% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Penalty APRafter a late or returned payment—no source read
Paying interestgrace period on new purchases25 days from the close of each billing cycle——
How we calculate your balanceAverage daily balance including new purchases——
Annual fee$95Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Transaction fees
Cash advance$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Balance transfer3% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Foreign transaction$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Penalty fees
First late feeUp to $20 if balance is less than $1000 Up to $25 if balance is $1000-$2000 Up to $28 if balance is greater than $2000 The late fees above apply to the first late fee and repeat late fees. If the late fee is higher than the minimum payment due, the lesseConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Returned payment—no source read
Other fees
Returned Payment Fee$25, If a payment is not honored or we must return it because it could not be processed.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Optional Debt Protection - Plan 1$2.10, Coverage for Loss of Life, Disability, and Involuntary Unemployment per $1000 of monthly outstanding loan balance. Benefit maximums apply.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Optional Debt Protection - Plan 2$1.20, Coverage for Loss of Life and Disability per $1000 of monthly outstanding loan balance. Benefit maximums apply.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Optional Debit Protection - Plan 3$0.88, Coverage for Loss of Life per $1000 of monthly outstanding loan balance. Benefit maximums apply.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Over limit$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Purchase transaction$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Balance transfer termsNoConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website