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PenFed Credit Union PenFed Defender 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 Nov 11

Everything else

  1. PenFed Defender Rewards Visa Signature Card 1.0% 1x base rate
  2. Platinum Rewards Visa Signature Card 1.0% 1x base rate

Dining

  1. PenFed Defender Rewards Visa Signature Card 3.0% 3x
  2. Platinum Rewards Visa Signature Card 3.0% 3x

Groceries

  1. PenFed Defender Rewards Visa Signature Card 3.0% 3x
  2. Platinum Rewards Visa Signature Card 3.0% 3x

Gas

  1. PenFed Defender Rewards Visa Signature Card 5.0% 5x
  2. Platinum Rewards Visa Signature Card 5.0% 5x

Streaming

  1. PenFed Defender Rewards Visa Signature Card 3.0% 3x
  2. Platinum Rewards Visa Signature Card 3.0% 3x

Sporting goods

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

What the numbers are doing

Where they differ: PenFed Defender Rewards Visa Signature Card takes sporting goods. Platinum Rewards Visa Signature Card wins nothing outright in this wallet.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elsePenFed Defender Rewards Visa Signature Card1.0%
DiningPenFed Defender Rewards Visa Signature Card3.0%
GroceriesPenFed Defender Rewards Visa Signature Card3.0%
GasPenFed Defender Rewards Visa Signature Card5.0%
StreamingPenFed Defender Rewards Visa Signature Card3.0%
Sporting goodsPenFed Defender 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. PenFed Defender Rewards Visa Signature Card — 1.0%
  2. Platinum Rewards Visa Signature Card — 1.0%

Dining

  1. PenFed Defender Rewards Visa Signature Card — 3.0%
  2. Platinum Rewards Visa Signature Card — 3.0%

Groceries

  1. PenFed Defender Rewards Visa Signature Card — 3.0%
  2. Platinum Rewards Visa Signature Card — 3.0%

Gas

  1. PenFed Defender Rewards Visa Signature Card — 5.0%
  2. Platinum Rewards Visa Signature Card — 5.0%

Streaming

  1. PenFed Defender Rewards Visa Signature Card — 3.0%
  2. Platinum Rewards Visa Signature Card — 3.0%

Sporting goods

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