PENFED PATHFINDER® - HONORS ADVANTAGE
Enjoy the perks of an Honors Advantage membership
points* on all travel purchases
No annual fee** for Honors Advantage members
The rewards you deserve, every time you travel
As an Honors Advantage member, you earn points on every travel purchase.
PenFed Honors Advantage provides you with a total of ![]( "Pathfinder Travel Earn Rate for HM")
points on all travel purchases
You receive all the features and protection of the PenFed Pathfinder® Rewards Visa® Signature Card with points on all travel purchases. Plus, the $
annual fee is waived for existing Honors Advantage Members. These offers are as distinguished as our members, and it’s an honor for us to provide this program to you.**
How to qualify
Qualifying is simple: keep a checking account or have a military connection.
Checking account
Have and maintain a qualified Access America or Free Checking account. You can open a new account or use an existing account. Restrictions apply.*
Military service
Military service of the primary applicant (active duty, reserve, honorably discharged, or retired). Military members will receive the 2% cash back upon completion of the card application. No other action is needed.
Make your money work harder
With Honors Advantage Rewards, you’ll earn 2% cash back on every purchase. Spend $2,500 a month and you’ll make an extra $150 a year compared to Standard Rewards.
|
|
Honors Advantage |
Standard Rewards |
|---|---|---|
|
Monthly Spend |
$2,500 |
$2,500 |
|
Cash Back Rate |
2% |
1.5% |
|
Monthly Cash Back |
$50.00 |
$37.50 |
|
Annual Cash Back |
$600.00 |
$450.00 |
|
Honors Advantage |
Standard Rewards |
|---|---|
|
Monthly Spend |
|
|
$2,500 |
$2,500 |
|
Cash Back Rate |
|
|
2% |
1.5% |
|
Monthly Cash Back |
|
|
$50.00 |
$37.50 |
|
Annual Cash Back |
|
|
$600.00 |
$450.00 |
Cash advances, credit card checks, and balance transfers are excluded from earning cash-back rewards.
Disclosure
*Once you're approved for the PenFed Pathfinder® Rewards Visa® Signature Card, you can open a checking account (except a PenCheck Limited Account) and receive an additional 1X point on all travel purchases. You must be a primary owner on both the credit card AND checking account to receive Honors Advantage bonus rewards. If no checking account is open at the time of the Pathfinder card application, the 1X point reward increase will be added within one business day of opening the checking account.
You must maintain the checking account in order to receive the points on all travel purchases. If you close your checking account, then you’ll receive the standard
points on all travel purchases. For Free Checking account holders, to receive
points during the upcoming checking statement cycle, you need to have maintained the minimum balance or made qualifying direct deposits for at least one of the two previous checking statement cycles. Members with a qualifying Free Checking account must also 1) maintain a minimum $500 daily balance OR 2) set up monthly direct deposits of $500 or more in order to maintain Honors Advantage Eligibility. A minimum balance or direct deposit is not required to maintain a Free Checking account.
**As a PenFed Pathfinder® Rewards cardholder, if you qualify for Honors Advantage (member of the military or Access America Checking or Free Checking account holder) at the time of the application, we will waive the annual fee on your account. If you were not eligible at account opening, but subsequently become eligible, the annual fee will be waived on your next anniversary. If at any time, you fail to meet maintain the eligibility requirements, you will no longer be eligible for the waiver. You will receive advance notice of this change.
Refer to the Pathfinder® Rewards Visa® Signature Card Rewards Program Terms and Conditions.
FAQs
A: Military service is not required for PenFed Honors Advantage qualification. You may also qualify with a checking account (either an existing one, or open a new one, excluding PenCheck Limited accounts). You must be the primary owner on both the PenFed Pathfinder® Rewards Visa® Card AND the checking account. Members with a Free Checking account must also 1) maintain a minimum $500 daily balance OR 2) set up monthly direct deposits of $500 or more in order to maintain Honors Advantage Eligibility. A minimum balance or direct deposit is not required to maintain a Free Checking account.
A: The standard![]( "Pathfinder Travel Earn Rate")
points on travel purchases is used in the application.
Active duty, reserve, or retired military service, the National Guard, the Reserves, an honorably discharged veteran or retired from the United States Military of the primary borrower will receive the PenFed Honors Advantage![]( "Pathfinder Travel Earn Rate for HM")
points upon completion of the application.
If you have an Access America checking account (except a PenCheck Limited Account), you’ll receive the upgrade to the PenFed Honors Advantage![]( "Pathfinder Travel Earn Rate for HM")
points. If you need to open a new Access America checking account (except a PenCheck Limited Account), you’ll receive the upgrade to the PenFed Honors Advantage ![]( "Pathfinder Travel Earn Rate for HM")
points within one business day of opening that checking account.
A: You must maintain the checking account in order to receive the![]( "Pathfinder Travel Earn Rate for HM")
points on travel purchases. If you close your checking account, then you’ll receive ![]( "Pathfinder Travel Earn Rate")
points on travel purchases. You must be primary owner on both credit card AND checking account to receive Honors Advantage bonus rewards. If no checking account is open at the time of the Pathfinder Rewards application, the additional 1x point on travel purchases will be added within one business day of opening the account.
A: No, but the sooner you open the checking account and are qualified, the sooner you’ll start earning more points on travel purchases!
A: No. Rewards can only be used on net purchases (purchases minus any credits or returns). Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards.