The PenFed Defender American Express card pairs a strikingly low-interest rate with solid, maintenance-free rewards. The PenFed Defender American Express credit card is a smart choice if are looking for an everyday card to use for all or most of your purchases.
However, unlike most low rate rewards cards, it also offers a hefty rewards program that grants a considerable amount of cash back.
Meanwhile, rewards cardholders looking for an easy way to cash in on purchases that don’t qualify for bigger bonuses should also be able to get a lot of use out of this card.
The PenFed Defender card is only available to Pentagon Federal Credit Union members, though, so not everyone will be able to benefit. To qualify for a Pentagon Federal Credit Union membership, you must be a military service member or government worker or be related to one.
The card is specially designed for military members. PenFed members and those who join PenFed who are currently active or retired U.S. military, including Reservists or those who currently serve in the National Guard, will be able to apply for the card.
PenFed will also extend the product to eligible members of certain affinity groups that belong to its Membership Charter. It is a pleasure to add the Defender Card to our credit card portfolio, stated Kevyn Myers, Executive Vice President, Card Services, PenFed.
At PenFed, we aim to offer superior financial products to the very special men and women who serve our nation (United State of America).
In keeping with this pledge, we are proud to have designed a product that helps our active and retired US military members meet their financial needs and earn outstanding cashback rewards on every purchase they make with the card.
About PenFed (Pentagon Federal Credit Union)
Pentagon Federal Credit Union was established in 1935, PenFed is considered one of the largest credit unions in the United States with over a million members and more than $15 billion in assets.
PenFed provides an extensive selection of financial products to its members worldwide. Its core membership includes the Department of Defense, Army, Marine Corps, Navy, Air Force, and Coast Guard. Department of Homeland Security personnel, employees or volunteers of the American Red Cross, numerous military associations, and many others.
Key Feature of the PenFed Defender American Express Card
The following are the lists of key features of PenFed Defender American Express Card. These features make it stand out among other credit card offering low credit rate in the market.
====> Cash back is credited automatically as a statement credit to the account each month
====> No tiers, caps or limits to the amount of cash cardholders can earn
====> You will enjoy 1.5% cash back on eligible spending if you use this credit card
====> User will enjoy a 6.99% APR introductory purchase rate for the first 60 months. This is an amazing feature of the card. After that, the APR will vary with the market, based on the Prime Rate, currently, that rate would be at a 9.99% APR.
====> Absolutely no fees or penalty pricing, you cannot underestimate this feature at all
====> No balance transfer fee
====> No cash advance fee
====> Rewards are unlimited and cash back is automatically credited to your account every month
====> Absolutely no fees, no fee is charged on the use of this credit card
====> No annual fee, like some other credit card, you need not to worry about PenFed Defender American express card annual fee, it is zero fee
====> No foreign transaction fee, even if you use this card for foreign transaction, you will not be charge any penny.
====> No over credit limit fee
====> Cash back is credited to your account each month
Pros and Cons of PenFed Defender Express Card
This part of the article will list out the pros and cons of this credit card, this will guide in take decision as a military man to apply for PenFed Defender American Express Card
Pros of PenFed Rewards card
====> No limit on the amount of cash you can earn, you earn as much you spent using your Penfed Credit card
====> Cash doesn’t expire, this is a great one, you get your cash back at any time, it will not expires
====> Cash automatically deposited in your bank account each month, you don’t need to worry about how to get it, it is an automatic process
Cons of PenFed Defender Card
====> Few options for redemption, you can only redeem cash by having it deposited in a Pentagon Federal Credit Union account. If you don’t have this account, you will not be able to redeem your earning
====> You will not be able to redeem cash for gift cards, merchandise or travel
Application Requirements for PenFed Rewards Card
In order to be eligible for this card, you must meet the following requirements
====> Applicant must be 18 years and above
====> Applicant must have a valid Social Security Number (SSN)
====> Applicant must be an active member of the military, the Reserves, the National Guard, or an honourably discharged US military veteran
How to Apply for the PenFed Defender American Express Card
The application process is through the online process, is a simple language, you need to complete the application through the online process. Here are the steps to be taken:
Step 1 ====> You need to visit the PenFed Defender American Express Card official website
Step 2 ====> On the page, locate and click on the APPLY NOW button
Step 3 ====> Choose either Yes or No to let PenFed know if you are applying for this credit card with a joint applicant.
Step 4 ====> Once an answer has been chosen, now click Join Now to proceed.
Step 5 ====> Here you will need to select one of the options to indicate your type of eligibility. After specifying which organization you serve(ed), click Continue to proceed.
Step 6 ====> Some basic information will be required on this page. In the blank spaces, enter your Names, Date of birth, Email Address, and Phone Number. After that, click the Continue once everything has been entered correctly
Step 7 ====> Next, you will need to provide some information regarding your home address and mortgage/rent payment. The exact data that’s required, which include: Street address, Apt/Unit/Suite, Zip, City, State, Country, and Residence status
Other details information requires are: Monthly mortgage or rent payment, Years at your home address, and Months at your home address
Step 8 ====> Now, go ahead and supplying your employer/business details in the fields provided on the application form.
The information requires here are: Employment status, Years employed, Months employed, Employer/business name, Employer/business address (street, zip, city, state, country), Gross monthly income, and Social Security Number
Step 9 ====> Now you will need to provide your additional income information. If you have any additional income, select Yes and provide your Other Monthly Income, your Source of Other Income, and the Total Monthly Accessible Income.
Step 10 ====> Take a moment to review the terms and conditions for PenFed Defender American Express Card as well as the information provided in the Credit Report Authorization and Credit Card Account Authorization windows.
Step11 ====> If you are in compliance with PenFed’s terms, check each of the I Agree boxes before proceeding
Step12 ====> Finally, click Continue to officially submit your application for reviewal by the PenFed Credit Union. The application process is complete once you successfully navigated through each of the above steps.
PenFed Defender American Express Card Login Process
Before you can use PenFed Defender American Express Card online account, you must set up an online account. This process is very simple and easy to go about. You only need to follow the simple step.
We will go over the major steps, running from activating your card Defender, to signing up for an online account and logging into the online banking system.
Moreover, once you accessed PenFed’s secure banking page, you will find a variety of functions available to assist you with managing your finances.
You will be able to pay your balance, review your purchase history, update your personal information, and perform a variety of other transactions. All in the dashboard of the online account.
Login Guide Process
Step 1 ====> You need to visit the official login page on the website
Step 2 ====> On the page, enter your username or user ID in the space provided and click the login button
Step 3 ====> Now enter your account password and click on the login button to access your online account.
NOTE: If you are accessing your online banking account from a computer that isn’t recognized by PenFed’s systems, you may be required to provide the answer to a security question. If this is the case, supply the answer to your security question in the blank field.
Below that, let PenFed know if you would like to register the computer you are currently using. The following pages will require you to supply your password before you can successfully log into your online account.
PenFed Defender American Express Card Activation Process
Your credit card can be activated through phone call. You need to call 1 800 562 1341 to speak to a customer service representative. Once your card has been activated, you can begin the online account registration process.
How to Apply for a PenFed Personal Loan
There are two ways to apply for a PenFed personal loan. You can complete an application online through its website or apply by phone.
Either way, you can check your rates online with a soft credit pull, but they do not consider it prequalification. Once you apply, there will be a hard pull on your credit, which will temporarily lower your credit score.
Recover or Reset Penfed Credit Card Login Details
Sometimes you may lose your login details for the site, then you need to reset another login password and recover your user name if that is your case.
The system provides means to reset and recover your login details. This process is very simple and easy to go about. You only need to follow a simple guide in the article.
Guide to Retrieve PenFed Card Login Username
Step 1 ====> You need to visit the official login page as mentioned above
Step 2 ====> To retrieve a forgotten user name, click on the Forgot User Name? link found within the login menu on the main page.
Step 3 ====> Now, you need to enter your Social Security Number and click Continue.
Step 4 ====> If your SSN was entered correctly, you will receive an email shortly containing your forgotten user name.
Step 5 ====> You can now follow the link sent to your email and follow the on-screen step to retrieve your username
Guide to Reset PenFed Defender Card Password
This part of the article will guide you reset your password, you only need to follow simple steps.
Step 1 ====> You need to visit the official login page as mentioned above
Step 2 ====> On the page, just below the login button, locate and click on the Forgot Password? link
Step 3 ====> On the following page, click on the green Let’s Get Started! tab to proceed.
Step 4 ====> Follow the on-screen instruction to complete the process of resetting your account password.