PenFed・Visa・No.070
An underrated travel card whose airline credit offsets the annual fee: a low-key value pick for credit-union members.
✓ Annual fee, APR and foreign-transaction fee checked on 2026-10-17 (source: penfed.org). Welcome offers, rewards and benefits change often; the issuer's site has the current terms.
Best for PenFed members who travel and can use the annual airline credit.
APR and fees as published by the issuer. Variable APRs move with the prime rate, so check the issuer's site before applying.
Yes, the Pathfinder Rewards has a 95 US dollar annual fee, largely offset by the airline credit.
You must be a PenFed member, which is open to anyone who opens a savings account.
No, there is no foreign transaction fee, so it is travel-friendly.
⚠️ About this data: Where we have checked a card's annual fee, APR and foreign-transaction fee, the page shows the date and the source. Welcome offers, rewards and benefits change often, so the issuer's own site is the final word. Approval is decided by the issuer. Nothing here is financial advice.