You cannot check for PenFed Gold Visa pre-approval. PenFed doesn't have a tool that lets you check for pre-approval online like some issuers do, although it's possible you could receive an offer for the card by mail if PenFed decides to send one to you. In that case, all you have to do is visit the website listed in your pre-approval letter and enter the invitation code included with your offer.

Instead of waiting around for a mailed offer that may never come, though, you can use WalletHub's CardAdvisor tool. Just answer a few general questions, and CardAdvisor will recommend some credit card offers based on your responses. You can also join WalletHub for free to get personalized recommendations for cards you're likely to be approved for.

Your PenFed Gold Visa approval odds are good if you have a credit score of 700+, which is considered good credit. Approval odds for the PenFed Gold Visa will also be influenced by your annual income and existing debts. Applicants will need to be 18+ years old with a U.S. mailing address and an SSN or ITIN, as well.

What You Need for Good PenFed Gold Visa Approval Odds

• Good credit or better
• Enough income to pay...

To log in to your PenFed Gold Visa® Card account, go to PenFed's website or mobile app, enter your username and password in the appropriate fields, and click the button to sign in. If you don't already have an online account with PenFed, you'll need to enroll first and set up a username and password.

How to Log in to Your PenFed Gold Visa Account

1. Visit PenFed's website or app. Navigate to the login box at the top...

The PenFed Gold Visa® Card credit score requirement is 700 or higher. That means people with good credit may have a decent shot at getting approved for the PenFed Gold Visa. You can check your credit score for free here on WalletHub to see if you qualify.

Note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the PenFed Gold Visa. Some other key criteria include your income, existing debt load,...

The best PenFed Gold Visa benefits are travel accident insurance and roadside dispatch. The PenFed Gold Visa® Card also has zero liability protection and lost/stolen card reporting, which are more common perks across PenFed credit cards.

PenFed Gold Visa Benefits

• Travel accident insurance
• Roadside dispatch
• Zero liability protection
• Lost/stolen card reporting
• Emergency card replacement

In addition to these benefits, the PenFed Gold Visa comes with a $0 annual fee. If you have good credit, the...

You can add a PenFed Gold Visa authorized user to your account by calling 1-800-247-5626.

You can also complete the Add Authorized User Form and mail it to:

Pentagon Federal Credit Union
PO Box 143
Alexandria, VA 22313-2032

By adding an authorized user, you can earn rewards faster and teach financial responsibility, also helping them improve their credit score. But you are also the one responsible for any purchases made by your authorized user.

No, the PenFed Gold Visa® Card is not a good first-time credit card because it is only available to people with good credit. People who've never owned a credit card are unlikely to get approved unless they've built good credit through other means. There are plenty of good first-time credit cards on the market, though.

Best First-Time Credit Cards

You can learn more about the best first-time credit cards on WalletHub.

Yes, the PenFed Gold Visa reports to the credit bureaus every month, typically within days after the cardholder's billing period closes. PenFed reports your card's credit limit, account balance, and payment history to all three of the major credit bureaus: Experian, TransUnion, and Equifax.

Once the PenFed Gold Visa reports your account information to a credit bureau, it may take a few days from when the bureau receives the info before the updates appear on your credit report....

The starting credit limit for the PenFed Gold Visa card is $500. But your credit limit might be higher, if your credit score, income, and other financial factors qualify you for it.

The PenFed Gold Visa® Card foreign transaction fee is 0%. This means you won't be subject to an additional charge whenever you use the PenFed Gold Visa® Card outside of the United States. Whether it's a purchase at a physical location in a foreign country or an online transaction through an internationally-based merchant, you won't have to pay extra.

To learn more, refer to our guide on foreign transaction fees and our editors' picks for the best credit cards without foreign fees.