Balance Transfer card · PenFed
PenFed Gold Visa
PenFed Gold Visa is the no-fee card for paying down a balance: no annual fee as of 2026 and no rewards program. Annual fee: No annual fee (as of 2026).
Card facts
| Issuer | PenFed |
|---|---|
| Network | Visa |
| Type | Balance Transfer |
| Annual fee | No annual fee (as of 2026) |
| Rewards | No points or cash back program — this card is built for paying down a balance. |
| Interest rate | Variable — the issuer's official page lists the current rate. |
Every fact above is taken from the sources listed below; anything no source states is left blank rather than guessed. Annual fees and rewards change — every figure on this page carries its year, and the issuer's official page is always the current one.
Rewards, in plain words
No points or cash back program — this card is built for paying down a balance.
Who it is built for
Built for credit union members carrying a balance they want to pay down.
Current details — visit the official PenFed Gold Visa page. Annual fees, rewards and interest rates change; the issuer's own page is always the current one.
More cards from PenFed
Other cards from the same issuer in this library.
- PenFed Pathfinder Rewards · Travel · $95 (as of 2026)
- PenFed Power Cash Rewards · Cash Back · No annual fee (as of 2026)
More Balance Transfer cards
BankAmericard
No points or cash back program — this card is built for paying down a balance.
Chase Slate Edge
No points or cash back program — this card is built for paying down a balance.
Citi Diamond Preferred
No points or cash back program — this card is built for paying down a balance.
Citi Simplicity
No points or cash back program — this card is built for paying down a balance.
Frequently asked questions
What is the PenFed Gold Visa?
PenFed Gold Visa is the no-fee card for paying down a balance: no annual fee as of 2026 and no rewards program.
Does the PenFed Gold Visa have an annual fee?
No — the card has no annual fee (No annual fee (as of 2026)).
What rewards does the PenFed Gold Visa earn?
No points or cash back program — this card is built for paying down a balance.
Who issues the PenFed Gold Visa?
The PenFed Gold Visa is issued by PenFed and runs on the Visa network.
Sources
- https://www.penfed.org/credit-cards — Issuer's card list
- https://www.penfed.org/credit-cards/gold-visa — Issuer's official card page
Page last updated 14 November 2026.