Pathfinder Review 2026
EDITOR'S PICKUpdated Feb 16, 2026·CardStack Data Team
Quick Answer
The Pathfinder earns X on all purchases with a $95 annual fee.
2.5/5
Overall
3.0/5
Value
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Rewards Structure
| Category | Rate | Effective ¢/$ | MCCs |
|---|---|---|---|
| Everything Else | 1X pts/$ | 1.00¢ | All |
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Benefits
Effective Annual Fee
Annual fee–$95
Net annual cost–$95 effective cost
Financial disclaimer: CardStack is not a financial advisor. Credit card terms, APRs, and fees are set by PENFED and subject to change. Verify all information on the issuer's website before applying.
Strengths and Weaknesses
Strengths
- No foreign transaction fees
Weaknesses
- $95 annual fee
- 1X base rate on non-bonus spending
Who This Card Is For
International Travelers
No foreign transaction fees
Value Seekers
Strong rewards relative to $95 fee
Frequently Asked Questions
Is the Pathfinder worth $95/year?
For moderate spenders, generally yes. The Pathfinder offers rewards and benefits that typically exceed the $95 annual fee for anyone who uses the bonus categories regularly.
What credit score is needed for the Pathfinder?
Most successful applicants have a credit score of 670 or higher. Higher scores significantly improve approval odds.
Methodology
This review draws on data from 35+ independent sources including official product pages, the CFPB Credit Card Agreements Database, community approval datapoints, expert point valuation sources, and our proprietary MCC verification database. Rankings are data-driven with no affiliate influence on placement. Card terms were last verified on February 16, 2026. Full methodology: cardstack.co/methodology.