Our ranking engine evaluates this card across five factors: nominal earn rate, real point value after currency conversion, portfolio pooling effects, merchant-specific bonuses, and goal alignment.
Top effective rate on this card: 3¢ per dollar. Full methodology →
| Category | Earn Rate | Effective Value |
|---|---|---|
| Travel | 3x PenFed Points | 3¢/$ |
| 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 →
Card terms, annual fee, APR, and current welcome offer are set by the issuer and may differ from what's shown here. Always verify the current offer on the issuer's official site before applying.
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