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PenFed Platinum Rewards Visa Signature Card vs PenFed Power Cash Rewards Visa Signature Card
Both are cashback travel cards. The PenFed Platinum Rewards Visa Signature Card comes from PenFed at $0/yr; the PenFed Power Cash Rewards Visa Signature Card from PenFed at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
Both cards come from PenFed and target cashback spenders, so the choice usually comes down to whether you'll use the premium-tier benefits. The PenFed Power Cash Rewards Visa Signature Card costs $0 more per year, only worth it if you'll actually use the upgraded perks.
| Feature | PenFed Platinum Rewards Visa Signature Card | PenFed Power Cash Rewards Visa Signature Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | 15,000 bonus points after $1,500 spend in 90 days | $100 statement credit |
| Bonus value (est.) | $128 | $100 |
| Min spend to unlock bonus | $1,500 in 3 mo | $1,500 in 3 mo |
| Issuer | PenFed | PenFed |
| Card category | cashback | cashback |
| Best earning category (Gas) | 5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
PenFed Platinum Rewards Visa Signature Card
$0/yr · 15,000 bonus points after $1,500 spend in 90 days
Read the full review
PenFed Power Cash Rewards Visa Signature Card
$0/yr · $100 statement credit
Editorial take: PenFed Power Cash Rewards Visa Signature Card
Common questions
- Which card has the bigger sign-up bonus, PenFed Platinum Rewards Visa Signature Card or PenFed Power Cash Rewards Visa Signature Card?
- The PenFed Platinum Rewards Visa Signature Card has the bigger bonus, 15,000 bonus points after $1,500 spend in 90 days, worth roughly $128, versus $100 statement credit (~$100) on the PenFed Power Cash Rewards Visa Signature Card.
- Is the PenFed Platinum Rewards Visa Signature Card's $0 annual fee worth it compared to the PenFed Power Cash Rewards Visa Signature Card?
- The PenFed Platinum Rewards Visa Signature Card has no annual fee, so the question is whether the PenFed Power Cash Rewards Visa Signature Card's $0 fee is justified by its perks. If you'll use enough of the PenFed Power Cash Rewards Visa Signature Card's benefits to clear $0 in value annually, it's worth it; otherwise stick with the PenFed Platinum Rewards Visa Signature Card.
- Can I have both the PenFed Platinum Rewards Visa Signature Card and PenFed Power Cash Rewards Visa Signature Card?
- Yes, though both are issued by PenFed so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). 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 Platinum Rewards Visa Signature Card or the PenFed Power Cash Rewards Visa Signature Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. PenFed Platinum Rewards Visa Signature Card: $1,500 spend in 3 months. PenFed Power Cash Rewards Visa Signature Card: $1,500 in 3 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.