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 after a 0% APR introductory rate for 12 months. Approval typically requires a credit score of 700+ or higher. Signup bonus: 25,000 bonus points after spending $2,500 with their card within 90 days of account opening. 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.