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PenFed Credit Union Pathfinder Rewards Visa Signature Card vs Platinum Rewards Visa Signature Card

Both are PenFed Credit Union cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Pathfinder Rewards Visa Signature Card 1.5% 1.5x base rate
  2. Platinum Rewards Visa Signature Card 1.0% 1x base rate

Dining

  1. Platinum Rewards Visa Signature Card 3.0% 3x
  2. Pathfinder Rewards Visa Signature Card 2.0% 2x

Groceries

  1. Platinum Rewards Visa Signature Card 3.0% 3x
  2. Pathfinder Rewards Visa Signature Card 1.5% 1.5x base rate

Gas

  1. Platinum Rewards Visa Signature Card 5.0% 5x
  2. Pathfinder Rewards Visa Signature Card 1.5% 1.5x base rate

Travel

  1. Pathfinder Rewards Visa Signature Card 3.0% 3x
  2. Platinum Rewards Visa Signature Card 1.0% 1x base rate

Streaming

  1. Platinum Rewards Visa Signature Card 3.0% 3x
  2. Pathfinder Rewards Visa Signature Card 1.5% 1.5x base rate

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge Pathfinder Rewards Visa Signature Card $95 and Platinum Rewards Visa Signature Card $0 a year, so a thin lead in one category may not cover the difference.

Where they differ: Pathfinder Rewards Visa Signature Card takes everything else and travel; Platinum Rewards Visa Signature Card takes dining, groceries, gas and streaming.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elsePathfinder Rewards Visa Signature Card1.5%
DiningPlatinum Rewards Visa Signature Card3.0%
GroceriesPlatinum Rewards Visa Signature Card3.0%
GasPlatinum Rewards Visa Signature Card5.0%
TravelPathfinder Rewards Visa Signature Card3.0%
StreamingPlatinum Rewards Visa Signature Card3.0%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Pathfinder Rewards Visa Signature Card — 1.5%
  2. Platinum Rewards Visa Signature Card — 1.0%

Dining

  1. Platinum Rewards Visa Signature Card — 3.0%
  2. Pathfinder Rewards Visa Signature Card — 2.0%

Groceries

  1. Platinum Rewards Visa Signature Card — 3.0%
  2. Pathfinder Rewards Visa Signature Card — 1.5%

Gas

  1. Platinum Rewards Visa Signature Card — 5.0%
  2. Pathfinder Rewards Visa Signature Card — 1.5%

Travel

  1. Pathfinder Rewards Visa Signature Card — 3.0%
  2. Platinum Rewards Visa Signature Card — 1.0%

Streaming

  1. Platinum Rewards Visa Signature Card — 3.0%
  2. Pathfinder Rewards Visa Signature Card — 1.5%
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