The changing nature of travel cards

This content is sponsored by PenFed

Travel cards were originally designed for globetrotters and business travelers who logged millions of air miles a year. But today’s travel card acknowledges that there are many more ways to get around.

For example, the new PenFed Pathfinder Rewards American Express® Card offers major points on all kinds of travel. So, whether you’re using a ride-hailing service to get to a party, taking the subway or bus to work every day, or paying a toll on an interstate road trip, you earn the highest level of points. For the average person who spends a lot more days commuting than on vacation, that can really add up.

And of course, rewarding just travel is not enough. By offering extra points on every purchase, cards like this one can be used every day, for everything you buy.

Other Travel Benefits

Of course, traditional travel is still a major reason for seeking a travel rewards card, so the best cards will offer additional travel-related perks, such as travel credits. Travel credits are typically applied to costs like baggage fees or in-flight food and beverage. Cards like the Pathfinder also reimburse you for your Global Entry or TSA Precheck application fee as a bonus.

Roadside assistance, travel assistance and travel accident insurance are other must-haves for any travel card worth its salt.

Redeeming Your Rewards

Earning rewards is one thing, but your card of choice should also make it easy for you to redeem your points. Does your card offer a range of ways to take your rewards — such as in gift cards, to purchase merchandise, or to book travel? What you want to do with your rewards today may be different next month or next year — flexibility is the key!

Don’t Forget the Rates and Fees

One thing credit card shoppers often overlook is the annual fee that many institutions charge you simply to carry their card. A card with no annual fee can save you hundreds of dollars a year.

And, if you plan to carry a balance, be sure to find out what kind of interest rate you qualify for. The lower the interest rate, the less you’ll have to pay on your purchases over time.

To find out more about the PenFed Pathfinder Rewards American Express® Card, and our entire suite of credit cards, contact PenFed Credit Union at 1-800-247-5626 or visit

To receive any advertised product you must become a member of PenFed.

The PenFed Pathfinder Rewards American Express® Card program is issued and administered by PenFed. American Express® is a federally registered Service mark of American Express® and is used by PenFed pursuant to a license.

PenFed is federally insured by NCUA.

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