PenFed Rewards Points Calculators

PenFed Rewards Points calculators for calculating total points based on spend across PenFed credit cards and the cash value of points based on redemption.

Program Details

The PenFed Rewards Program is a bank rewards program from Pentagon Federal Credit Union. PenFed Rewards Members that have and maintain a PenFed Access America Checking Account or have Military service (active duty, reserve, honorably discharged, or retired) will benefit from bonus points earned on travel purchases on the PenFed Pathfinder card as well as bonus points from PenFed's cash back card. These points can award members with a little bit more value within the program.

Regardless of whether or not you qualify as a PenFed Honors Advantage Member, the program itself can earn a decent amount of points that can have some decent value. Just be aware that they do charge fees for booking travel.

Credit Card Rewards Calculators

The PenFed Rewards Credit Card Calculators will calculate how many PenFed Points you can earn based on your monthly/yearly spend across categories. Each calculator will also output the cash value of the card based on your spend, how much you value the card benefits, and annual fees (if applicable).

Compare credit cards side by side based on spend, benefits and fees.

You can compare the results side by side any credit cards featured on the site to find out which earns you the most rewards and the best return. If cookies are enabled, all spend entered (primary/first column only) will carry over to all credit card calculators on the website.

PenFed Points Credit Card Calculators

PenFed has two rewards credit cards in their program. The PenFed Pathfinder is good for raking up points on travel purchases and provides a few useful credits for travelers while the PenFed Rewards Visa Signature earns on gas and supermarket. Both cards can be used together to maximize the amount of points you can earn on everyday spend.

Redeeming Rewards & Cash Value

You have a small handful of options when it comes to redeeming PenFed Rewards Points. You can enter any amount of PenFed Points below to see the average cash value of your points based on the redemption.

PenFed Points Value Calculator
1 cent - 1.12 cents
$0 - $0
0.85 cents - 0.9 cents
$0 - $0
Gift Cards
0.85 cents
~0.85 cents+

Hotel Redemptions

PenFed Points have the best value when redeemed for hotel stays. Points will be worth between 1 to 1.2 cents each on average for this redemption. You can even get a higher value if you're willing to do a little research and compare prices between PenFed and hotel sites. Using the AMEX PenFed Pathfinder on travel purchases would earn you a 3.6% or 4.8% return (based on PenFed Honors Status) when points are applied towards hotel stays which is superb for a card with no annual fee.

Airfare Redemptions

PenFed Points can be used to book airfare for an average value of around 0.85 to 0.9 cents per point. This is a little on the low side, but can still be useful for anyone looking to save on airfare. The annual $100 airline credit the AMEX PenFed Pathfinder offers also helps when it comes to airfare purchases.

Gift Card Redemptions

PenFed Points can be used to purchase gift cards at a value of 0.85 cents per point. This is on the low side, but can still be useful for anyone looking to save on money and pick up some gift cards to their favorite restaurants and stores.

Merchandise Redemptions

PenFed Points can be used to purchase merchandise for an average value of 0.85 cents. This value will vary depending on what you actually purchasing. You can use the Points and Miles Cash Value Calculator to calculate the value you're getting out of your PenFed Points for merchandise redemptions based on cost in cash and cost in points. Whether or not it's worth it depends on how much you value the merchandise that you're purchasing.

PenFed Points cannot be purchased.
PenFed Points cannot be transferred to other rewards programs.

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