The PenFed Gold Visa® Card is best for individuals who have good to excellent credit and are looking for a credit card with low interest rates and fees. The card offers a competitive APR on purchases, balance transfers, and cash advances, which can be especially beneficial for those who tend to carry a balance on their credit cards. Additionally, the card does not charge an annual fee, foreign transaction fees, or cash advance fees.

No, you cannot pre-qualify for the PenFed Gold Visa® Card. If you’re interested in applying for this card, you’ll have to do so without checking your approval odds first. The PenFed Gold Visa® Card application also performs a hard pull on your credit score, which may cause it to drop a few points temporarily.

Yes. To add an authorized user to your PenFed Gold Visa® Card account, you can log in to your account online or call PenFed’s customer service line. You will need to provide the name, date of birth, and Social Security number of the authorized user, as well as their relationship to you. Once the authorized user is added to your account, they will receive their own credit card with their name on it. You can set a spending limit for the authorized user if you choose to do so.