Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Annual Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
PenFed Points
Credit Required
Excellent
15,000
points
$1,500
Spend Required
3 months
Time Period
Benefits & Perks
Reviews & Analysis
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
| Foreign Transaction Fee | $0 |
Media & Resources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Earn rates | |
| Issuer Page | Issuer Page: Welcome offer |
Combined Protection Value
$1,850
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Covers damage, theft, or loss of your phone when you pay your wireless bill with your card -- up to $500/claim, $1,000/year, $50 deductible.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
$250,000 AD&D coverage on a covered trip when you charge the entire fare to your card. Dependents covered at 50% of your benefit amount.
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
Merchants this card gives you a statement credit or membership at. Unlike the brands above, this isn't about earn rate — it's money the card hands back when you spend there.
