AMEX PenFed Pathfinder Rewards Card Cash Value Calculator

Penfed Pathfinder Rewards Card

3x Travel
4x Travel for PenFed Honors Advantage Members
$100 Annual Air Credit
$100 Global Entry / TSA PreCheck Credit

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The PenFed Pathfinder Rewards Card is great for anyone that does a great deal of spending in the travel category. From traveling around the world to driving back and forth between work, this rewards card can help you build up the points need for your next adventure. If you have military service (active duty, reserve, honorably discharged, or retired) you'll earn even more points!

PenFed Points Value

PenFed Points are easily worth 1 cent each and can be used towards merchandise and services, airline travel redemption, and gift cards/certificates. Do note that PenFed charges a $15 Air Booking Fee on all online air bookings and a $25 Air Booking Fee on phone air bookings. These high fees can take away from the value of your PenFed Points. Points expire 5 years after being awarded on a first-earned, first-spent basis.

Bonus Categories

The PenFed Pathfinder Rewards Card features one bonus category which is travel. PenFed Honors Advantage Members will earn one additional point. To qualify as a PenFed Honors Advantage Member, the card holder must have and maintain a PenFed Access America Checking Account -OR- the primary or joint applicant must have Military service (active duty, reserve, honorably discharged, or retired).

3x/4x Travel

The PenFed Pathfinder Rewards Card earns 3 PenFed Points per $1 spent on travel purchases. PenFed Honors Advantage Members will earn an additional point for a total of 4 PenFed Points per $1 spent. Travel purchases on the Pathfinder Rewards Card fall under:

  • Airfare
  • Hotel
  • Car Rental
  • Cruise
  • Travel Agency
  • Commuter Transportation
  • Taxi/Uber/Lyft
  • Bus Lines
  • Tour Operators
  • Tolls

Since the card does not have an annual fee, you're looking at a solid return of 3%-4% per $1 spent on travel which is great! This is about the best you can do in terms of earning on travel category with such a straightforward return. Other cards that offer a good return on travel, but have an annual fee, is the Chase Sapphire Reserve, Citi ThankYou Premier Card, and Chase Ink Business Preferred Card. These cards offer Chase Ultimate Rewards Points or Citi ThankYou Points which are popular currencies in the credit card point world that can transfer to a great deal of frequent flyer, hotel loyalty, and other programs.

1x Non-Category

Any purchases made on the PenFed Pathfinder Reward Card outside of the travel category will earn 1 PenFed Point per $1 spent. At a rate of 1 cent per PenFed Point, this comes out to be a simple return of 1.5% which is not that bad. If you're looking to build points strictly with PenFed Credit Union, you can pick up the PenFed Platinum Rewards Visa Signature Card which earns 5x PenFed Points on gas and 3x PenFed Points on groceries. The PenFed Platinum also has no annual fee which makes it the perfect compliment to the PenFed Pathfinder Rewards Card.

Perks and Benefits

$100 Air Travel Credit

The PenFed Pathfinder Rewards Card comes with an annual $100 Air Travel Credit. This credit has be used on a U.S. headquartered airline which consists of:

Annual airline credit is not something that's hard to come by in the credit card world. The Gold Card and Bank of America Premium Rewards Card also come with a $100 airline credit. Some cards even come with a $200 airline credit such as both the AMEX Platinum Card and AMEX Business Platinum Card.

$100 Global Entry/TSA PreCheck Credit

The PenFed Pathfinder Rewards Card also comes with up to a $100 credit towards a Global Entry or TSA PreCheck application fee. Global Entry costs $100 and comes with TSA PreCheck, while TSA PreCheck by itself costs $75. This credit is only available on the Pathfinder Rewards Card once every 5 years since, if approved, your Global Entry or TSA PreCheck will expire after 5 years as well. The applicant for the application does not have to be the cardholder and the applicant does not have to be approved in order to receive the credit. Merely using the card to pay for the application fee is enough to trigger the credit on the Pathfinder Reward Card.

While the $100 Global Entry/TSA PreCheck Credit is mainly seen on luxury travel cards such as the Citi Prestige and Chase Sapphire Reserve, it is also available on a few non-premium cards. These consist of the U.S. Bank FlexPerks Gold Card, and Capital One Venture Card. The AMEX Platinum Card and AMEX Business Platinum Card both grant each authorized user there own $100 Global Entry/TSA PreCheck Credit along with other perks such as elite hotel status with both Hilton and Marriott.

Sign Up Bonus

The sign up bonus for the PenFed Pathfinder Rewards Card is 25,000 bonus points after spending $2,500 within 3 months of opening an account. 25,000 PenFed Points is worth $250. The PenFed Pathfinder also features a 0% Promo APR period for balance transfers as well.

Credit Card Fees

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The PenFed Pathfinder Rewards Card does not have an annual fee. That means you'll always be earning the maximum return when putting spend on the Pathfinder Card.

Authorized User Fee

The authorized user fee for the PenFed Pathfinder Rewards Card is $0. I would recommend adding authorized users to this card due to the excellent return on travel purchases. This can speed up the process of earning PenFed points.

Foreign Transaction Fee

The PenFed Pathfinder Rewards Card does not charge a foreign transaction fee for oversea purchases meaning you can use the card worldwide without any worry of being penalized.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

Recommended Cards

PenFed Platinum Rewards

The PenFed Platinum Rewards Visa Signature Card pairs well with the PenFed Pathfinder Card. It earns 5x PenFed Points on gas station purchases and 3x on grocery purchases. On top of that, it does not have an annual fee so you will be earning a superb return on both categories.

ThankYou Preferred Card

Another good travel card with no annual fee is the Citi ThankYou Preferred Card. It earns 2x ThankYou Points on both restaurant and entertainment purchases. ThankYou Points are worth 1 cent each when holding this card and can be worth a little more if you hold either the Citi ThankYou Preferred or Citi Prestige cards. ThankYou Points can be used for travel, electronics, statement credits, cash, and gift cards.

Uber Card

The Barclay Uber Card features a whopping ten categories which consist of a mix of travel and everyday purchases. It's best perk comes from earning 4% cash back on restaurants, bars, and UberEats. Along with that it features the categories of airfare, hotels, online shopping, music and video streaming services and more! The Uber Card has no annual fee, no authorized user fee, and no foreign transaction fee. The cash back earned on the Uber card does not have to be used for Uber either. It can be used for statement credits and gift cards at the same excellent rate of 1:1 ratio.

Recent News/Articles

Page Last Updated: 2018-05-02

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

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