COMPARE YOUR OPTIONS
A closer look, side by side.
Fees, rewards, and benefits — with room to see the differences.
|
PenFed
Platinum Rewards
VISA
PenFed remove | |
|---|---|
| Annual fee | $0 |
| Foreign txn fee | 0% |
| Rewards | PenFed Points |
| Credits (realistic / face) | $0 / $0 |
| Earning by category | |
| Everything else | 1% 1x PenFed Points |
| Dining & restaurants | 3% 3x PenFed Points |
| Food delivery apps | 3% 3x PenFed Points |
| Groceries (supermarkets) | 3% 3x PenFed Points |
| Online grocery / delivery | 3% 3x PenFed Points |
| Walmart | 3% 3x PenFed Points |
| Target | 3% 3x PenFed Points |
| Whole Foods Market | 3% 3x PenFed Points |
| Gas stations | 5% 5x PenFed Points |
| EV charging | 5% 5x PenFed Points |
| Streaming services | 3% 3x PenFed Points |
| Protections | |
| rental car | none |
| 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 (Visa Signature) |
| extended warranty | — |
| trip cancellation | — |
| trip delay | — |
| baggage delay | — |
| return protection | — |
| Benefits | |
| No annual fee | ✓ No annual fee |
| No foreign transaction fees | ✓ No foreign transaction fees |
| 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 |
| Intro 0% APR | ✓ 0% intro APR on balance transfers for 12 months |
| Other | ✓ PenFed membership required (open to anyone) |