This card is not currently opened to new applications. It is being re-released as the PenFed Pathfinder Rewards Visa Signature Card at some point in 2020.

AMEX PenFed Pathfinder Rewards Card Calculator

Card Review & PenFed Points Calculator
3x Travel
4x Travel for PenFed Honors Advantage Members
$100 Annual Air Credit
$100 Global Entry / TSA PreCheck Credit

Review the benefits of the PenFed Pathfinder Card, calculate how many PenFed Points you can earn, and compare the results to top travel cards.

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!

Bonus Categories

The PenFed Pathfinder Rewards Card features one bonus category which is travel. PenFed Honors Advantage Members will earn one additional point on travel spend per $1 spent. 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 Travel
    • PenFed Honors Advantage Members will earn an additional point for a total of 4x on travel spend.
    • Travel purchases are considered to be:
      • Airfare
      • Hotel
      • Car Rental
      • Cruise
      • Travel Agency
      • Commuter Transportation
      • Taxi/Uber/Lyft
      • Bus Lines
      • Tour Operators
      • Tolls
  • 1.5x Non-Category

Perks & Benefits

The AMEX PenFed Pathfinder Card offers two benefits which is an annual $100 air travel credit and up to a $100 credit towards a Global Entry or TSA PreCheck application.

Sign Up Bonus (SUB)

The standard 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.


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 other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Family Cards
These cards are part of the same family.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
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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...
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 ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) 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.
Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
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 this 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.

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