We score this card on five factors — earn rate, real point value, portfolio pooling, merchant bonuses, and your stated goal — recalculated for your specific wallet, not a static rating.
Top effective rate on this card: 3¢ per dollar. Full methodology →
| Category | Earn Rate | Effective Value |
|---|---|---|
| Travel | 3x PenFed Points | 3¢/$ |
| Dining | 2x PenFed Points | 2¢/$ |
| Everything Else | 1.5x PenFed Points | 1.5¢/$ |
Rates may be subject to caps, exclusions, enrollment requirements, and issuer-defined merchant categories. See our data verification methodology →
Terms, APR, and the current welcome offer are set by the issuer, not us, and can change without notice. Confirm the live offer on their site before you apply.
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