OOpenCard

PenFed Gold Visa® Card

PenFed Credit Union

No Annual Fee
Annual Fee
visaGood → ExcellentNo Foreign Transaction Feeno-annual-feelast month

Welcome Offer

No Welcome Offer

Earning Rates

1×All Purchases1x point per $1 on all purchases (no rewards in traditional sense - primarily a low APR card)

Insurance

Rental InsuranceSecondary
Purchase Protection
Extended Warranty

Application Rules

Sources

Last Updated: Apr 16, 2026