PenFed Pathfinder Rewards American Express Card

Advertiser Disclosure: Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Commissions do not affect or prioritize placement within our results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author's alone.

Bonus Offer: 25,000 points when you spend $2,500 within 3 months

Best for:

Those that want a no annual fee card with strong benefits and solid travel redemptions

Card Features and Benefits:

You might think you need a PenFed membership to get this card, but you don't!

Let's take a closer look at the benefits, earn rate, and the PenFed Pathfinder Rewards system.

No Annual Fee; But Perks of a Card that Would Have One

This card offers some perks that are unusual for a card with no annual fee.

$100 Annual Credit towards Air Travel
$100 Global Entry or $85 TSA PreCheck Credit once every 5 years

PenFed Pathfinder Rewards Card Earn Rate

This card earns 4x points on all travel purchases if you are a PenFed Honors member (requires a PenFed checking account). But non-members still earn 3 points per dollar.

All other purchases earn 1.5 points per dollar spent.

PenFed Pathfinder Rewards Card Point Redemption

PenFed Rewards points vary in value from about 0.85 cents up to as much as 1.27 cents depending on how you use them. Hotel redemptions provide the most possible value for points.

PenFed Pathfinder Rewards Card Bottom Line

For a card with no annual fee, this card stacks up quite favorably to many of the more well known cards.

You will essentially earn around a 3% (or 4% with Honors membership) rebate on travel purchases + get the $100 annual travel credit all with no annual fee.

While it may not have been on your list before today, it may be worth more than a second look.

Back to my assessment results

Don’t Miss Out On Limited time Offers

Credit card companies regularly offer limited time increased signup bonus offers on their credit cards. They also sometimes change card benefits or otherwise change up their card lineups.
Sign up for the YourBestCreditCards.com newsletter and you’ll never miss out again.

Meet Dave

Dave’s spent the last 15 years traveling the world in first class using his miles and points. After analyzing the unique credit card spending habits of thousands of MilesTalk readers over the years, he developed YourBestCreditCards.com.