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A New Level of Rewards
for MOAA Members
The PenFed Premium Travel Rewards American Express Card
5x points on airfare, 1 point on virtually
all other purchases
3x points on hotel and dining through
December 31, 2010
Redeem rewards for travel, gift cards, and more
Earn 20,000 bonus points when you spend
over nullnull50 in the nullrst three months
nulluxury nullnullnull nullounge nullccess worldwide
2nullnullnull nullremium nulloncierge nullervice
null50 nullnnual nullee waived for the nullrst year
nullnull null nullnullR on nullalance nullransfers for 2null months,
when you apply onlinenull
Apply Today
800-732-8268•PenFed.org/AMEXnow
This 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.

Terms, conditions and restrictions apply. Additional details will be provided upon card issuance.
All rates and offers are as of January null, nullnullnullnull and subnullect to change without notice. nullnullalance transfers performed online will have a nonnullvariable annual
percentage rate of null.nullnullnull, or null.nullnullAnull Pfnull or applications and transfer renulluests received by telephone, in person or in paper form. A balance transfer fee of null.nullnull
of the transaction applies nullnullnullmnull in. nullnull nullnullmnull ax.Tnull his promotional rate remains in effect on the transferred balance for the nullrst nullmnull onths the balance is carried,
after which the rate applied will be the variable purchase APnull, currently nullnull.nullnullnull APnull. nullalance transfers are treated as cash advancesnull nullnances charges accrue from
the date the transfer is posted to your account. nullalance transfer from other PenFed credit cards and loans are not eligible for this promotion. nullf we do not receive
your minimum payment due within nulldnull ays of the due date, all APnulls on the account will increase to nullnull.nullnullunull ntil you make cnull onsecutive payments on time.
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