Are you looking to take control of your financial future? When you apply for the PenFed Gold Visa® Card, you can do that and still get access to exclusive benefits and perks.

The card is exclusive to PenFed members, but everyone can join. If you don’t work for the military or any government agencies, you can open your account online and fund it with only $5. 

The card offers all new members a chance to consolidate credit card debt or make large purchases with its 0% APR introductory offer for the first 15 months.

You’ll also be able to save on fees, since the PenFed Gold has no annual, foreign or cash advance fees. 

Once the introductory period ends, members are left with a variable APR between 15.49% – 17.99% – one of the lowest in the market today. 

The PenFed Gold offers security features for added peace of mind, such as Zero Liability policy, chip security, tap to pay, click to pay, and more.

You can use the card anywhere in the world where merchants accept Visa for online and in-store purchases.

By being a PenFed member, you’ll also have access to exclusive discounts and offers at a series of merchants. Just keep an eye on the PenFed website to check out the latest deals. 

So if you’re looking for a convenient and affordable way to pay down your debt and take charge of your finances, keep reading our content below and learn how you can apply for the PenFed Gold Visa® Card!

The first thing you need to do before you apply for your PenFed Gold Visa® Card is to join PenFed. Visit the credit union’s website and click on “join now”. Then, fill out the online form with all your personal and financial information.

By doing so, you’ll open a PenFed Savings Account. Then all you need to do is fund the account with $5 and you’ll become an official member.

After doing that, head over to PenFed’s website once more and click on “credit cards”. Then, “credit cards overview”. 

Find the PenFed Gold Visa® Card and click on “apply now”. Log into your account using your credentials and that will speed up the process because PenFed will already have all the important information about you for your application. 

Provide any additional information they might require, read the card’s Terms & Conditions, and then formally submit your request. It only takes PenFed about 20 seconds to make a decision about your application. 

If you get the card, you’ll receive an offer with your initial spending limit, APR, and other important disclosures.

The card will be issued to your address and you can activate it online or by calling customer service. 

You can also apply for the PenFed Gold Visa® Card using PenFed’s mobile app. Download the app for free at your preferred app store and create an account.

Then, go to the credit cards tab, select the PenFed Gold and begin the application process.

If you’re looking for a great balance transfer credit card and is not interested in becoming a PenFed member, we have a recommendation.

The BankAmericard® Credit Card offers interest-free financing for 21 billing cycles, and has no annual fee.

To learn more about what this card has to offer, check the following link. We’ll look at features, pros, and cons to help you compare and decide which option is better for your finances!