Penfed Pathfinder Visa: $425 after Spending $3,000 and 3.4% Back on Travel

Available Nationwide

Offer Link


  1. 50,000 bonus points after spending $3,000 within the first 90 days.
  2. $95 annual fee (waived for Honors Advantage* members).
  3. 3 points per dollar on travel (4x points for Honors Advantage* members).
  4. 1.5 points per dollar on all other purchases.
  5. No foreign transaction fee.
  6. $100 annual domestic air ancillary travel statement credit.
  7. $100 Global Entry or $85 TSA Pre-check statement credit.
  8. Points are worth 0.85 cents each when redeeming for gift cards, travel, or charity.
  9. 0% introductory balance transfer APR for 12 months (3% balance transfer fee).

*Earn and maintain Honors Advantage status with military service (active duty, reserve, honorably discharged, or retired) or with a checking account ($500 minimum daily balance or $500 monthly direct deposit).


The Pathfinder can’t decide if it’s a travel card or a cash back card. It has a huge sign-up bonus and boasts a 3.4% (4x points at 0.85 cents each) earning rate on travel, but doesn’t offer status or loyalty bonuses at any airline / travel chains. The annual fee cancels out the annual travel credit with Honors Advantage membership. It rewards people who travel a lot, but doesn’t offer the benefits constant travelers would actually be interested in (status, free nights, discounts, etc). It’s a good card, but probably best as a supplement to an actual travel rewards card.


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