# PenFed Pathfinder® Rewards Card

> Earn up to 4x on travel. $200+ in statement credits per year. $95 annual fee.

Canonical page: https://cardstack.money/cards/penfed-pathfinder-rewards-card
Markdown mirror for AI agents and LLMs. Full index: https://cardstack.money/llms.txt

## At a glance

- Issuer: PenFed
- Network: Visa
- Annual fee: $95
- Rewards program: PenFed Rewards
- Total statement credits value: $200 per year
- Net value after annual fee: +$105 per year (credits value minus fee)
- Welcome offer: 50,000 points after you spend $2,500 in the first 90 days.

## Earning rates

| Rate | Category | Notes |
| --- | --- | --- |
| 4x | Travel |  |
| 1.5x | All other purchases | Base earn rate |

## Statement credits

### Airline Ancillary Credit - $100/yr ($100 annual)

Up to $100 per year in statement credits for eligible domestic airline ancillary purchases (baggage, lounge day-passes, inflight food/beverage, pet kennel, change fees) on select U.S. airlines.

- Resets: Calendar year
- Where to redeem: Domestic airline incidentals – baggage, lounge, inflight, etc.
- Details: https://cardstack.money/benefits/penfed-pathfinder-rewards-card-airline-ancillary-credit.md

### TSA PreCheck/Global Entry - $100/yr ($100 every 4 years)

Up to $100 statement credit for Global Entry or $85 for TSA PreCheck application fee (every 4–4.5 years). Fee may be waived for PenFed Honors Advantage members.

- Resets: Every 4 years
- Where to redeem: $100 Global Entry or $85 TSA PreCheck
- Details: https://cardstack.money/benefits/penfed-pathfinder-rewards-card-tsa-precheckglobal-entry.md

## Other benefits

- **Car Rental Loss and Damage Insurance (secondary)**: When you decline the rental company’s collision damage waiver and pay with the card, coverage may apply for theft or damage to the rental vehicle; secondary to other insurance where applicable; terms and exclusions apply.
- **No Foreign Transaction Fees**: No foreign transaction fee on purchases processed outside the U.S.; issuer and network rules still apply.
- **Global Entry/TSA PreCheck fee credit (every 4 years)**: Statement credit toward application fee when charged to the card; reimbursement rules and timing per issuer.


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CardStack automatically tracks the PenFed Pathfinder Rewards Card's $200 in statement credits and reminds you before each one resets, so you use every dollar you paid for. Website: https://cardstack.money - App Store: https://apps.apple.com/app/apple-store/id6759270863