PenFed Pathfinder Rewards Visa Signature: what it earns

Updated October 16, 2026 · from RightCard's verified card and merchant data

PenFed Pathfinder Rewards Visa Signature earns 3x points at travel, 2x points at restaurants, and 1.5x points on everything else. We value other points programs at 1¢ per point toward travel and 1¢ as cash; the table below shows both readings. Annual fee: $95.

Every category, as published

The everyday rates only. No welcome bonus, no limited-time offers. Where a rotating 5% quarter is live today it is noted in the row.

Category	Earn	≈ value / $1
Restaurants	2x points	2¢ cash · 2¢ travel
Supermarkets	1.5x points	1.5¢ cash · 1.5¢ travel
Gas stations	1.5x points	1.5¢ cash · 1.5¢ travel
Travel	3x points	3¢ cash · 3¢ travel
Online shopping	1.5x points	1.5¢ cash · 1.5¢ travel
Drugstores	1.5x points	1.5¢ cash · 1.5¢ travel
Transit & rideshare	1.5x points	1.5¢ cash · 1.5¢ travel
Streaming	1.5x points	1.5¢ cash · 1.5¢ travel
Everything else	1.5x points	1.5¢ cash · 1.5¢ travel

Travel value uses 1¢ per point for other points programs, a conservative figure. Cash redemptions on most points programs pay 1¢ or less.

Where it beats a flat 2% card

Travel. Everywhere else a plain 2% card earns more, so this card is a category card, not an everything card.

Delivery apps and the dining rate

DoorDash, Uber Eats and Grubhub set their own merchant codes. Chase and Amex write delivery into their dining terms; read yours once. The DoorDash breakdown.

See it against the rest of your wallet →

Other PenFed cards: PenFed Platinum Rewards

How RightCard handles this: add the PenFed Pathfinder Rewards Visa Signature in the app and it competes with your other cards at every store, with your bank offers and this quarter's rotating bonus folded in. The app is free and private. No bank login. Recommendations are computed on your phone.

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FAQ

What does the PenFed Pathfinder Rewards Visa Signature earn at supermarkets?

1.5x points at stores that code as supermarkets. Superstores and warehouse clubs usually do not count.

What does the PenFed Pathfinder Rewards Visa Signature earn on everything else?

1.5x points on purchases outside its bonus categories.

Is the PenFed Pathfinder Rewards Visa Signature's $95 fee worth it?

Only if the credits and rewards you would actually use add up to more than $95 a year. Our coupon-book tool lets you tick the credits you would use and see the verdict.

How much are PenFed Pathfinder Rewards Visa Signature points worth?

About 1¢ each toward travel by our conservative estimate for other points programs, and 1¢ or less as cash.

Where these numbers come from: RightCard's data pipeline re-checks each card's published rates weekly and lists a rate only after two independent sources agree. Merchant codes come from our merchant directory. If a card or store is missing here, it is because we could not verify it, not because we guessed.

More guides: Rate my wallet · All cards · Restaurants guide