PenFed Power Cash Rewards Calculator

Card Details & PenFed Cash Back Calculator
1.5% Cash Back
2% Cash Back for PenFed Honors Advantage Members

Review the benefits of the PenFed Power Cash Rewards Card, calculate how much cash back you can earn based on spend, and compare results against top cards.

The PenFed Power Cash Rewards Visa is a 1.5% cash back card offered by Pentagon Federal Credit Union (PenFed). It an easy to use card that has straightforward redemptions. It's the only cash back credit card that PenFed offers, but it can still act as a back up to other PenFed Point earning Credit Cards that such as the PenFed Platinum Rewards Visa Signature Card that earns 5x PenFed Points on gas and 3x on groceries.

Bonus Categories

The PenFed Cash Rewards Visa Signature Card does not feature any bonus categories and instead earns a flat amount of cash back. You'll earn an unlimited 1.5% cash back on all eligible purchases ran through the card. PenFed Honors Advantage Members will earn 2% cash back on all eligible purchases.

  • 1.5%-2% All Purchases
    • PenFed Honors Advantage Members will receive 2%; all other members will earn 1.5%.
    • PenFed Honors Advantage Members:
      • 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).

Sign Up Bonus (SUB)

The PenFed Power Cash Rewards Visa sign up bonus is a $100 statement credit when you spend $1,500 in the first 90 days. That's an okay sign up bonus. The PenFed Power Cash Rewards Visa card is also known to have a 0% APR promo period for balance transfers as well.


Annual Fee

There is no annual fee for the PenFed Power Cash Rewards Visa Card. You will always earn a 1.5% return when using this card.

Authorized User Fee

The PenFed Power Cash Rewards Card does not have a fee associated with adding additional cardholders.

Foreign Transaction Fee

There is no foreign transaction fee for using the PenFed Power Cash Rewards Visa internationally. That makes this a good card if you're looking to earn 1.5%-2% cash back worldwide.

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
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
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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Categories 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.
Type at least 3 characters.
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/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 spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
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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