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Side-by-side
PenFed Pathfinder Rewards Visa Signature Card vs Upgrade Triple Cash Rewards Visa
Both are well-respected travel cards. The PenFed Pathfinder Rewards Visa Signature Card comes from PenFed Credit Union at $95/yr; the Upgrade Triple Cash Rewards Visa from Upgrade at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | PenFed Pathfinder Rewards Visa Signature Card | Upgrade Triple Cash Rewards Visa |
|---|---|---|
| Annual fee | $95 | $0 |
| Sign-up bonus | Not advertised | $200 statement bonus |
| Bonus value (est.) | - | $200 |
| Min spend to unlock bonus | - | $0 in 2 mo |
| Issuer | PenFed Credit Union | Upgrade |
| Card category | travel | cash-back |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
PenFed Pathfinder Rewards Visa Signature Card
$95/yr ·
Read the full review
Upgrade Triple Cash Rewards Visa
$0/yr · $200 statement bonus
Editorial take: Upgrade Triple Cash Rewards Visa
Common questions
- Which card has the bigger sign-up bonus, PenFed Pathfinder Rewards Visa Signature Card or Upgrade Triple Cash Rewards Visa?
- The Upgrade Triple Cash Rewards Visa has a public bonus ($200 statement bonus, worth roughly $200), while the PenFed Pathfinder Rewards Visa Signature Card doesn't advertise one right now.
- Is the PenFed Pathfinder Rewards Visa Signature Card's $95 annual fee worth it compared to the Upgrade Triple Cash Rewards Visa?
- At $95/yr, the PenFed Pathfinder Rewards Visa Signature Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Upgrade Triple Cash Rewards Visa's, pick the one whose perks you'll actually use.
- Can I have both the PenFed Pathfinder Rewards Visa Signature Card and Upgrade Triple Cash Rewards Visa?
- Yes, since they're from different issuers (PenFed Credit Union and Upgrade) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the PenFed Pathfinder Rewards Visa Signature Card or the Upgrade Triple Cash Rewards Visa first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. PenFed Pathfinder Rewards Visa Signature Card: no published min spend. Upgrade Triple Cash Rewards Visa: $0 in 2 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.