Home / Personal Credit Cards / Gold Visa® Card

Advertiser & Editorial Disclosure

Gold Visa® Card

Gold Visa® Card

Apply now

Nothing beats zero. 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 the first 15 months after account opening. After that, the APR for any unpaid purchase balance and any new purchases will be 17.99% based on your creditworthiness and will vary with the market based on the prime rate. 0% introductory APR for 15 months on balance transfers made in the first 90 days after account opening. After that, the APR for the unpaid balance and any new balance transfers will be a non-variable rate of 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: 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

Apply now

Intro APR

N/A

Purchase APR

17.99% Variable (effective 9/1/2023)

Annual Fee

No Annual Fee

Welcome Offer

N/A

Rewards Rate

N/A

Foreign Transaction Fee

N/A

Reviews

Reviews Disclosure: The responses below are not provided or commissioned by the credit card, financing and service companies that appear on this site. Responses 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.

Advertising Disclosure

The credit card, financing and service products that appear on this site are from credit card, financing and service companies from which this site receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card, financing and service products or all available credit card, financing and service products. All images and trademarks are the property of their respective owners. Editorial and review content is the property of Nav, and has not been approved, provided, or reviewed by the company providing the credit card, financing, or service.

For complete information, see the terms and conditions on the credit card, financing and service issuer’s website. In most cases, once you click “apply now”, you will be redirected to the issuer’s website where you may review the terms and conditions of the product before proceeding. While Nav always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms – and before applying you should understand the full terms of products as stated by the issuer itself.

Personal FICO credit scores and other credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit or financing type you are eligible for. Nav uses the Vantage 3.0 credit score to determine which credit offers are recommended which may differ from the credit score used by lenders and service providers. However, credit score alone does not guarantee or imply approval for any credit card, financing, or service offer.

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.