The PenFed Credit Union Business is a business credit card from PenFed Credit Union Business. Application typically pulls a hard report from Experian. The annual fee is $0. Approval typically requires a credit score of 700+ or higher. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Pentagon Federal Credit Union. Open membership through National Military Family Association. Business credit cards available. Accessible via free ACC membership (American Consumer Council).