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Advertiser & Editorial Disclosure

Gold Visa® Card

Gold Visa® Card

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Our Lowest-Rate Card. Benefits of this gold card include low APR and low promotional balance transfer APR. Go for the gold today! LOW APR on all purchases. 0% Introductory APR on purchases made within the first 15 months after account opening; 0% Balance Transfers Promo APR for 15 months. 3% fee applies to each transaction. Subject to credit approval. On transfers made from now until September 30, 2022. After that, the APR for the unpaid balance and any new balance transfers will be 17.99%. A 3% balance transfer fee applies to each transfer. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date. Annual Fee: $0. Purchase Variable APR: 10.49% to 17.99%. Refer to PenFed.org for Terms/Conditions.

Nav's Verdict

Cost

HighLow

Effort to Apply

DifficultEasy

Card Perks

PoorGood

Features

PoorGood

5/10

Bottom Line

For those who want to transfer/carry balance at a competitive rate. This no annual fee card has one of the lowest credit card rates and fees.

Pros

Low APR

Cons

Balance transfer fee

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Intro APR

N/A

Purchase APR

10.49% to 17.99% Variable

Annual Fee

No Annual Fee

Welcome Offer

N/A

Rewards Rate

N/A

Foreign Transaction Fee

N/A

Reviews

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Editorial Disclosure

Any personal views and opinions expressed are author’s alone, and do not necessarily reflect the viewpoint of Nav. Editorial content is not those of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities.

Reviews are not provided or commissioned by the credit card, financing and service companies that appear in this site. Reviews have not been reviewed, approved or otherwise endorsed by the credit card, financing and service companies and it is not their responsibility to ensure all posts and/or questions are answered.