You never know quite what’s inside the PenFed enigma of a bank, but they can be an manufactured spender’s dream. If that weren’t enough, now they have a rather compelling credit card offer for $425 worth of points and $100 in travel credits, which can be double-dipped in 2020 and 2021 if you hurry (so, $625 total). There’s no annual fee for this card if you have an “Access America” checking account, which anyone can sign up for by paying $5 to join.
If you know someone who has a PenFed account of any type already, they can refer you to this credit card and earn $50. This works really well with a player two. If you don’t have a P2 with a PenFed account, find a friend who has one and ask them for a referral. They’ll appreciate the referral bonus I’m sure.