The PenFed Pathfinder Rewards Visa Signature is a personal credit card from PenFed Pathfinder Rewards Visa Signature. Application typically pulls a hard report from Experian. The annual fee is $95. The ongoing APR is 17.99% variable. Approval typically requires a credit score of 700+ or higher. Rewards: 4x points on travel, 3x on dining, 1.5x on all other purchases. 50,000 bonus points. $100 annual airline credit. No foreign transaction fees. Global Entry/TSA PreCheck credit.. Accessible via free ACC membership (American Consumer Council). PenFed is one of the largest credit unions in the US.