PenFed Power Cash Rewards Visa Signature® Card
- Annual Fee
- $0
- cash back · Welcome Bonus
- $100
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Visa Signature
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Excellent
Welcome Offer
Bonus: $100 cash back
Spend: $1,500
Period: 3 months
Earning Rates
- 1.5%
All Other
Unlimited 1.5% cash back on all purchases. PenFed Honors Advantage members (active or veteran military service, or a qualifying PenFed checking account) earn 2%
Benefits & Perks
Insurance & Protections
2 protectionsCell phone protection, up to $500/claim
secondary
Up to $500 per claim ($1,000/year, 2 claims max, $50 deductible) when your monthly cell phone bill is charged to this card.
View conditions
Deductible: 50
Travel Accident Insurance ($250,000)
$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.
Reviews & Analysis
The Math: Is $0 Worth It?
First-year value includes $100 welcome bonus
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
Payment Terms
| Foreign Transaction Fee | $0 |
Media & Resources
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Issuer Page | Issuer Page: Base earn rate | |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Earn rates |