PenFed Pathfinder Visa Card Calculator

Review the benefits of the PenFed Pathfinder Card, calculate how many PenFed Points you can earn, and compare the results to top travel cards.
Last Updated: 2020-12-28

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!

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Bonus Categories

The PenFed Pathfinder Rewards Visa 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 PenFed Pathfinder Rewards Visa 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

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

Rewards Calculator

You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

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.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
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Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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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/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$20 Bonus
Earn $20 or 2,000 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $20+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User 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 based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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