PenFed Platinum Rewards Visa Signature
PenFed Credit Union · Gas review
Drivers who don't shop a warehouse club and want the highest consistent gas reward available on a no-annual-fee card — 5
Sorted by score, never commission
Annual fee
$0
No annual fee, every year
Ongoing APR
Variable APR — verify current range at penfed.org
Variable — verify the current range at the issuer
As of July 8, 2026
Best for
Drivers who don't shop a warehouse club and want the highest consistent gas reward available on a no-annual-fee card — 5 points per $1 at any gas station, plus 3 points per $1 at supermarkets. PenFed membership is open to everyone; you just join at penfed.org before applying.
Not for
People whose spend is mostly outside gas and groceries — the base rate is only 1 point per $1 — and anyone who won't engage with the rewards portal to redeem points well.
The catch
5x on gas at any station (not just a specific brand) is the standout, but points are worth the most through PenFed's travel/gift-card redemptions, and the low 1x base rate means this is a category card, not an everyday earner. Confirm the current APR and terms at penfed.org before applying.
Card facts
Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.
Product specs
- Annual fee
- $0
- Ongoing APR
- Variable APR — verify current range at penfed.org
- Schumer Box verified
- July 8, 2026
How we scored this card
See our published methodology — 5 dimensions, 0–20 each, 100-point total.
Frequently asked
Does the PenFed Platinum Rewards Visa Signature charge an annual fee?
No. The PenFed Platinum Rewards Visa Signature carries a $0 annual fee, sourced from the issuer's published Schumer Box as of July 8, 2026. Rates change — confirm the current terms at the issuer.
What APR does the PenFed Platinum Rewards Visa Signature charge?
Variable APR — verify current range at penfed.org. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.
Who is the PenFed Platinum Rewards Visa Signature best for?
Drivers who don't shop a warehouse club and want the highest consistent gas reward available on a no-annual-fee card — 5 points per $1 at any gas station, plus 3 points per $1 at supermarkets. PenFed membership is open to everyone; you just join at penfed.org before applying.
Who should skip the PenFed Platinum Rewards Visa Signature?
People whose spend is mostly outside gas and groceries — the base rate is only 1 point per $1 — and anyone who won't engage with the rewards portal to redeem points well.
How did ClearValue score the PenFed Platinum Rewards Visa Signature?
PenFed Platinum Rewards Visa Signature scored 81/100 — "Solid pick". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and whether an honest weakness is named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.
Alternatives to the PenFed Platinum Rewards Visa Signature
Other gas cards we've scored, ranked by our methodology.
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