PenFed Credit Union Credit Card Tier List & Hacks (2023)

In this video, I will share with you, the best pen, fed credit cards, and hacks to get the most out of PenFed credit Union. If you are looking to get up to $50,000 of a credit limit with PenFed, this is the video for you to watch. I will also breakdown everything that you need to know about this credit Union!
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This video is for entertainment purposes only. I am not a legal or financial expert or have any authority to give legal or financial advice. While all the information in this video is believed to be accurate at the time of its recording, realize this channel and its author make no express warranty as to the completeness or accuracy, nor can it accept responsibility for errors appearing in this video. This video and description contain affiliate links, which means that if you click on one of the product links, I’ll receive a small commission. This helps support the channel and allows us to continue to make videos like this. Thank you for your support!

[@SledgeIncTeam]

Been with PenFed for a couple years now. One my very first day of membership, I applied for the Power Cash Rewards card, it went into pending for a couple days and came back with a $25k approval. I applied for the Pathfinder a few weeks ago and got $12,500. But... I also have 31 other cards though. Some Personal, Some Business and some I got just for KZbin content. Keep up the good work

[@bigcoz6956]

I have my primary job direct deposit with PenFed checking account. I have the power cash card that I use for every day purchases including utility bills. I generally will have over 1000.00 cash accumulated every year. And the Pathfinder card where I easily use the 100.00 travel credit every year. I've also utilized a decent personal loan they approved me for about 3 years ago. All in all they've been good to me!!

[@ImStillStealingSteel]

Damn, my boy is almost 200k subs. I remember when I joined and u were under 200 subs. Time flies. So proud of u, Naam =)

[@NaamWynn]

Woah! Thanks man! You were one of the OG's. I always remember leaving me comments! I really appreciate you!

[@ImStillStealingSteel]

@@NaamWynn - No prob. Just keep up the gr8 work :) Happy that ur growing :) And Im happy to be a Wynner :)

[@NaamWynn]

@@ImStillStealingSteel 🙏

[@BlakeAlexander12]

When was that?

[@TonyAtmos]

Been with penfed for a few years now and I've been very pleased with them. I go back and forth with them and navy federal.

[@boatenthusiastandexplorer6961]

Nice

[@techistek2953]

Great info as always! I also wanted to add that Wells Fargo has the Experian FICO 9 score now too. I love my PenFed accounts and really it's really simple to become a member with them. I can't speak for the credit cards, but love that they soft-pull for personal loans.

[@heirtothethrone000]

The Platinum Rewards and the Power Cash would both work for me because 2% is always good. I like that the Platinum counts Target and Walmart which I haven't seen anywhere else that I recall.

[@dridful1057]

My first PenFed was the Platnium rewards :) glad i chose that one too

[@TheBiglee777]

I was pre approved for the platinum card $3500.00

[@mace422004]

So a little update, I got the cash card 15k after a year membership with 5 dollars, prequalified offer on email, 90 days later email for platinum reward 8k, 40 inquiries at the time, so today 5/3/23, I applied for a prequalify personal loan from email, offer was 5k for 17.9 percent, called in to complain that my Usaa rate advantage was a better rate for 5k, while on the phone they offered and gave me 15 months no interest on a new gold card 12.5k.

[@lotteryplayersnetwork3100]

I just got the platinum card with a $3500 limit!

[@luisaldemar]

Penfed works super for me but I have been cap with the $50k credit rule between the gold, platinum and cash rewards and loss the chance to get the pathfinder which is their best card

[@jamebong1494]

I just got Platinum Rewards a month ago

[@lma3752]

Penfed Power Cash also has no FTFs. Other 2% cards like Citi Double, Paypal Mastercard, Wells Fargo Active Cash all have FTF

[@gregpinkney3083]

Nice presentation + video here. Good information and you are giving honest information since I'm a member of Penfed and love'm dearly 🙂 🙂 Almost 9 months in with an internal score 822? ( in backoffice) Started with the Power Cash at ($10k) checking (honors), savings (premium). Was waiting for a pre-approval before getting 1 more card. Haven't gotten it yet. Was told they send them out quarterly. So I think the next one is in Jan. Hope one comes, or will then just apply on my own. 🙂

[@valseyer4486]

Shit I went to PenFed to open a account and it was revealed to me that they "PenFed" had a member all ready in existence that has the same social security number that I have, so needless to say I couldn't open an account. Some shady stuff, I showed em my s.s. card and all my documents they needed and still no luck. I'd never delt that card not even with Navy Federal, I just don't know. Great video though, thanks.

[@athencroft5139]

Not really shady on Penfed as you should investigate. This doesn’t make Penfed a bad credit Union, it only means you should investigate. 🤷🏼‍♀️

[@rbaddict2947]

how do you increase your internal score with PENFED?? Do you have good evidence they use internal scoring that has a significant impact on deciding if and how much credit to approve you for? Like NFCU does?? If it's different, how is it different and what to we need to do to optimize the relationship??

[@ImStillStealingSteel]

So happy to be part of PenFed. Have my Power Cash and Platinum Rewards with decent limits =)❤❤❤

[@NaamWynn]

Lets go!

[@hch720]

I just got Platinum Rewards card yesterday. Credit limit is $15,000 and credit score is 810. I prefer this card because gas for x5 points. I opened PenFed Savings account 6 months ago And the initial deposit is only $300. I keep this same balance now. I do not like the $5 hold permanently until the account is closed. Anyway, the PenFed credit limit is really generous. Sorry for bad English.

[@SledgeIncTeam]

Thats my next Penfed card. I have the Power Cash and the Pathfinder

[@Joy-vs6xe]

Approve for 6,500 Thanks !😊

[@NaamWynn]

Great 👍

[@Benforde]

Awesome Video Great Info!! Any Tips For Alliant Credit Union

[@NaamWynn]

They are one of the goods one. I'll try to get a video out covering them!

[@CesarJoel]

I like the Pathfinder card. Great video thanks 👍

[@NaamWynn]

Awesome

[@real.raw.fitness7305]

Capital one bank gives you scores and updates.

[@sjt7005]

Langley offers free fico 9

[@sillyfrog12]

Been with them for like 4-5 months and trying to get a platinum cc, so far no success after 2 times of applying :(

[@yungahungatv8049]

1 every 6 months

[@pattyhorne1986]

Try for the gold

[@jatindersidhu4622]

When I joined they asked me only dob ss and address that’s it

[@patricklewis9020]

Has anyone heard that there is a 25k on self employed? I had a denial because I have 23k and self employed

[@toddhayes3506]

Great Job

[@kevinhill7140]

Thank you for your content

[@jiggajaye503]

Great info

[@Gerardo-nz2gp]

How does age affect credit applications.

[@sticksandstones1885]

Thanks 👍

[@GregJackson01]

Credit Karma gives scores for the two from TU and EQ for free

[@Hand_me_a_handle]

Those are vantage scores bit fico

[@TraderDT]

Do u know if there is a Hard Pull for credit line increases on Pen Fed's cards?

[@michellecarbajal6019]

I’m a member of LeskoHelp Mr Lesko is one of the best sources to apply for every grant/loan and improve your credit score if you want

[@michellecarbajal6019]

Leskohelp2

[@MJ-zf6tz]

yes

[@DJ-cc9xs]

Does Pen Fed do a hard credit check or soft pull?

[@therealskyler7174]

Soft pull to prequalify you

[@Livinlife818]

How do you build relationship with penfed?🏀🏀🏀🏀🏀🏀🏀🏀🏀🏀🏀🏀🏀🏀🏀🏀

[@therealskyler7174]

Open a checking and savings have like $200 in them use it now and then for gas and food then apply for the loan in 60 days

[@dbest4755]

PowerCash VISA for me.

[@millimergmusic]

I joined them this month. I have a 648 credit score just wondering what credit card should I apply for?

[@DJ-vf5gu]

The gold card is easiest to get

[@justinmerino2874]

I’m l

[@njpme]

Rah Sgt!

[@carlitosrivera19]

Do you know if I request a limit increase they would do a hard inquiry?

[@MJ-zf6tz]

yes

[@carlitosrivera19]

To late. Hahaha! But at least it went from 6000 to 11000. 🤷🏻‍♂️

[@NaamWynn]

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