COMPARE YOUR OPTIONS
A closer look, side by side.
Fees, rewards, and benefits — with room to see the differences.
|
PenFed
Pathfinder Rewards
VISA
PenFed remove | |
|---|---|
| Annual fee | $95 |
| Foreign txn fee | 0% |
| Rewards | PenFed Points |
| Credits (realistic / face) | $90 / $130 |
| Earning by category | |
| Everything else | 1.5% 1.5x PenFed Points |
| Dining & restaurants | 2% 2x PenFed Points |
| Food delivery apps | 2% 2x PenFed Points |
| Travel (general) | 3% 3x PenFed Points |
| Airfare (booked direct) | 3% 3x PenFed Points |
| Hotels (booked direct) | 3% 3x PenFed Points |
| Vacation rentals | 3% 3x PenFed Points |
| Rental cars | 3% 3x PenFed Points |
| Cruises | 3% 3x PenFed Points |
| Transit | 3% 3x PenFed Points |
| Rideshare | 3% 3x PenFed Points |
| Parking & tolls | 3% 3x PenFed Points |
| Issuer travel portal | 3% 3x PenFed Points |
| Online travel agencies | 3% 3x PenFed Points |
| Protections | |
| rental car | secondary |
| cell phone | Up to $500 per claim ($50 deductible), 2 claims / $1,000 per 12 months, when the monthly wireless bill is paid with the card |
| purchase protection | Purchase Security: 90 days, up to $500 per claim / $50,000 per cardholder |
| extended warranty | — |
| trip cancellation | — |
| trip delay | Up to $300 per ticket after 12 hours |
| baggage delay | Up to $100/day for 3 days after 4 hours |
| return protection | — |
| Benefits | |
| No foreign transaction fees | ✓ No foreign transaction fees |
| Priority Pass Select | ✓ Priority Pass Select membership (per-visit lounge fees apply) |
| Airline incidental fee credit | ✓ $100 annual airline incidental fee credit |
| Global Entry / TSA PreCheck / NEXUS credit | ✓ Global Entry ($120) / TSA PreCheck ($85) credit every 4 years |
| Secondary rental car collision coverage | ✓ Auto rental CDW (secondary in the U.S., primary abroad) |
| Trip delay reimbursement | ✓ Trip delay reimbursement |
| Baggage delay insurance | ✓ Baggage delay reimbursement |
| Lost luggage reimbursement | ✓ Lost luggage reimbursement |
| Cell phone protection | ✓ Cell phone protection |
| Purchase protection | ✓ Purchase Security |
| Travel accident insurance | ✓ Travel accident insurance |
| Roadside assistance | ✓ Roadside Dispatch (pay-per-use) |
| Concierge service | ✓ Visa Signature Concierge |
| Other | ✓ Visa Signature Luxury Hotel Collection |