If you apply and get approved for the PenFed Power Cash Rewards Visa Signature® Card, your starting limit is at least $5,000. Your income and creditworthiness play an important role in defining your spending power, so the healthier your finances, the higher your limit will be.

Yes, you can add an authorized user to your PenFed Power Cash Rewards Visa Signature® Card. Adding an authorized user can allow someone else to use your card to make purchases, but the primary cardholder is ultimately responsible for paying any charges made by the authorized user. To add an authorized user to your PenFed Power Cash Rewards Visa Signature® Card, you can log in to your PenFed online account, go to the “Account Services” section, and select “Add Authorized User.”

To make a balance transfer with your PenFed Power Cash Rewards Visa Signature® Card, you can log in to your PenFed online account or call PenFed customer service at 1-800-247-5626. Provide the account number and balance transfer amount for the account you want to transfer, verify the balance transfer fee and interest rate, and finally, submit the balance transfer request.