See how to apply for the PenFed Gold Visa® Card

Get all the information you need to know about applying for the PenFed Gold Visa® Card. Learn how to complete your application, what documents you'll need, and why this credit card is a great choice!


by Aline Barbosa

Published on 03/06/2023

PenFed Gold Visa® Card: No annual fee, no foreign transaction fee, and no cash advance fee!

PenFed Gold Visa® Card
Fund your account with only $5. Source: The News Stacker.

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.


Credit Card

PenFed Gold Visa® Card

no annual fee VISA

Consolidate credit card debt and make large purchases with a 0% APR.

You will be redirected to another website

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!

Learn how to get the PenFed Gold Visa® Card online

PenFed Gold Visa® Card
Apply at the PenFed website. Source: Canva.

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. 

Learn how to get it using the app

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.

How about a similar credit card?

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!

BankAmericard® Credit Card

See how to apply for the BankAmericard® Card

Learn how easy it is to apply for the BankAmericard® Credit Card and what benefits you could enjoy when you become a cardholder!

About the author

Aline Barbosa

Aline Barbosa is an editor, writer and learning-enthusiast. Passionate about music, books and human behavior. Curious about the unknown. Believer that learning is a life-long process.

Trending Topics


What are the best dog food delivery services of 2022?

Learn the best dog food delivery services of 2022 so you can have the best quality food for your pooch delivered right to your door.

Keep Reading

Citi® Secured Mastercard® Credit Card review: Low APR and no annual fee

Looking for a secured credit card to help rebuild your credit? Check out this Citi® Secured Mastercard® Credit Card review.

Keep Reading

Your 101 guide on reverse mortgages

Understand all you need to know about reverse mortgages, the requirements for eligibility, and how this financial product can help you.

Keep Reading

You may also like


Clever gift ideas for when you’re short on cash

Are you in the market for a special gift? Then check out these clever gift ideas that will surprise and delight your loved ones.

Keep Reading

Mastercard is teaming up with banks to turn crypto mainstream

Mastercard is about to launch a new program that will allow big investment banks to offer crypto trading to their existing clients.

Keep Reading

Learn how to see your Spotify Pie

Ever wondered what music genres you listen to the most? Wonder no more with our new Spotify Pie generator! Read on for more.

Keep Reading