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Bank of America® Premium Rewards® Credit Card vs. PenFed Pathfinder® Rewards Visa Signature® Card

PenFed will reopen its card for applications in early 2020.

While it was available, the PenFed Pathfinder® Rewards Visa Signature® Card was a powerhouse, offering up to 3x points on travel compared to the Bank of America® Premium Rewards® Credit Card‘s 2x points in the category — and for a $95 annual fee. Though Bank of America’s card has a $95 annual fee, it offers 2x points on dining, as well as a stronger signup bonus worth $500.

The PenFed Pathfinder Rewards American Express® Card is currently closed to applications. PenFed says it’ll re-introduce the card in early 2020.

	Bank of America® Premium Rewards® Credit Card Terms apply, see rates & fees	PenFed Pathfinder® Rewards Visa Signature® Card Terms apply, see rates & fees
Finder rating
Finder rating	★★★★★ 4.3 / 5.0	★★★★★ 4.4 / 5.0
Best for
Best for	Low annual fee for premium perks	Great travel rewards with no annual fee
Welcome offer
Welcome offer	50,000 points after spending $3,000 in the first 90 days	50,000 points after spending $3,000 in the first 90 days
Rewards
Rewards	2x points on travel and dining and x points on all other purchases	3x points on travel or 4x points if you’re a PenFed Honors Advantage member and 1.5x points on all other purchases
Purchase APR
Purchase APR	19.99% to 26.99% variable	17.99% variable
Annual fee
Annual fee	$95	$95
Cash advance
Cash advance	APR: 22.99% to 29.99% variable Fee: $10 or 3% of the transaction, whichever is greater	APR: to 17.99% variable Fee: or of the transaction, whichever is greater
Foreign transaction fee
Foreign transaction fee	None	None
Late payment fee
Late payment fee	Up to $40	Up to $28
Additional cardholder fee
Additional cardholder fee	$0	$0
Interest-free period
Interest-free period	25 days	25 days
Minimum interest
Minimum interest	$1.50	$0
Minimum credit score
Minimum credit score	670	670
Card type
Card type	Credit	Credit
Learn more
Learn more

What’s next?

There’s a lot to compare between these two cards. You might want to start with the annual fee, then consider the rewards you’ll earn. Also, look at each card’s signup bonus and whether you want an intro APR on balance transfers.

Not sure about either product? There are many other excellent travel cards to choose from that you can compare today.

Compare similar travel credit cards

{"niche":"USCCF"}

1 - 15 of 15

Product USCCF	Welcome Offer	Rewards	Annual fee
Capital One VentureOne Rewards Credit Card	20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel	Up to 5x miles	$0	Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening. See rates & fees	Go to site View details Compare	loading Fetching your data...
Capital One Venture Rewards Credit Card	Enjoy 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel	Up to 5x miles	$95	Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening, equal to $750 in travel. See rates & fees	Go to site View details Compare	loading Fetching your data...
Bilt Mastercard®	Bilt does not have a welcome offer. However, they have a unique bonus offer of double points on the first of each month – that’s 3x points on dining, 2x points on travel, and 1x points on other purchases. Earn double points on the first of each month (excluding rent, up to 1,000 bonus points). Use the card 5 times each statement period to earn points	Up to 3x points	$0	Go to site View details Compare	loading Fetching your data...
Capital One Quicksilver Cash Rewards Credit Card	$200 cash bonus after you spend $500 on purchases within 3 months from account opening	Up to 1.5% cash back	$0	More than an unlimited 1.5% cash back card: you'll also earn 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply). See rates & fees	Go to site View details Compare	loading Fetching your data...
Capital One VentureOne Rewards for Good Credit	N/A	Up to 5x miles	$0	The same rewards and $0 annual fee as the Capital One VentureOne Rewards Credit Card, but for those with good credit. See rates & fees	Go to site View details Compare	loading Fetching your data...
American Express® Gold Card	Spend $6,000 on eligible purchases within the first 6 months you own the card and earn 60,000 Membership Rewards® points.	Up to 4x points	$325	Earn up to 4x points on select purchases and enjoy a bevy of travel perks with this upper-mid tier travel card. Terms apply, see rates & fees	Go to site View details Compare	loading Fetching your data...
Capital One Venture X Rewards Credit Card	75,000 miles after you spend $4,000 in your first 3 months of account opening	Up to 10x miles	$395	Capital One's premium luxury travel card, featuring airport lounge access at 1,300+ lounges. See rates & fees	Go to site View details Compare	loading Fetching your data...
The Platinum Card® from American Express	80,000 points after spending $8,000 in your first 6 months	Up to 5x points	$695	80,000 points after spending $8,000 in your first 6 months. Terms apply, see rates & fees	Go to site View details Compare	loading Fetching your data...
Hilton Honors American Express Card	Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in the first 6 months. Offer ends 1/8/2025.	Up to 7x points	$0	Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in the first 6 months. Offer ends 1/8/2025. Terms apply, see rates & fees	Go to site View details Compare	loading Fetching your data...
Delta SkyMiles® Blue American Express Card	10,000 bonus miles after you spend $1,000 in your first 6 months	Up to 2x miles	$0	Earn 10,000 bonus miles after you spend $1,000 in purchases on your new card in your first 6 months. Terms apply, see rates & fees	Go to site View details Compare	loading Fetching your data...
Delta SkyMiles® Gold American Express Card	50,000 bonus miles after you spend $2,000 in your first 6 months	Up to 2x miles	$0 intro annual fee for the first year ($150 thereafter)	Earn 50,000 bonus miles after you spend $2,000 on purchases in your first 6 months. Terms apply, see rates & fees	Go to site View details Compare	loading Fetching your data...
Marriott Bonvoy Brilliant® American Express® Card	Use your card to make $6,000 in purchases in the first 6 months of card ownership and you'll earn 95,000.	Up to 6x points	$650	Use your card to make $6,000 in purchases in the first 6 months of card ownership and you'll earn 95,000. Terms apply, see rates & fees	Go to site View details Compare	loading Fetching your data...
Delta SkyMiles® Platinum American Express Card	60,000 bonus miles after you spend $3,000 in purchases in your first 6 months	Up to 3x miles	$350	Earn 60,000 bonus miles after you spend $3,000 in your first 6 months. Terms apply, see rates & fees	Go to site View details Compare	loading Fetching your data...
Hilton Honors American Express Surpass® Card	165,000 Hilton Honors Bonus Points after you spend $3,000 in the first 6 months. Offer ends 1/8/2025.	Up to 12x points	$150	Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases in the first 6 months. Offer ends 1/8/2025. Terms apply, see rates & fees	Go to site View details Compare	loading Fetching your data...
Delta SkyMiles® Reserve American Express Card	Earn 70,000 bonus miles after you spend $5,000 in your first 6 months	Up to 3x miles	$650	Earn 70,000 bonus miles after you spend $5,000 in your first 6 months. Terms apply, see rates & fees	Go to site View details Compare	loading Fetching your data...

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