The PenFed Gold Visa is a personal credit card from PenFed Gold Visa. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is Approx. 17.99% variable after a 0% introductory rate for 15 months. Approval typically requires a credit score of 691 or higher. Rewards: None (pure low-rate card). This product reports activity to your personal credit report. Ideal for transferring balances to a low APR vehicle for up to 15 months. PenFed Power Cash Rewards Visa Signature Card. BT Fee: Typically 3%, according to user-reported cases. Post-intro APR: Approx. 17.99% variable Accessible via free ACC membership (American Consumer Council).