PenFed Fuel Cash Back Credit Card
Several have posted about getting 5% cash back for fuel using a PenFed Credit Card. We now have that credit card and are beginning to understand the limitations. What we've learned:
1. Generally PenFed says to use it at the pump and not inside to get the cash back. But the transaction must be coded as fuel and not food or merchandise.
2. Works at independent gas stations.
3. PenFed doesn't know if it will be coded correctly when fueling in truck lanes at truck stops like FJ, etc. where you pay inside. Should be fine at the car and RV lanes where you pay at the pump.
4. PenFed doesn't know it the card will work at big box pumps like Safeway.
5. Can't be used at Costco because they don't accept Visa.
What's your experience?
BTW We have 2 Amex cards that cover all of the above but they also have limitations.
1. Generally PenFed says to use it at the pump and not inside to get the cash back. But the transaction must be coded as fuel and not food or merchandise.
2. Works at independent gas stations.
3. PenFed doesn't know if it will be coded correctly when fueling in truck lanes at truck stops like FJ, etc. where you pay inside. Should be fine at the car and RV lanes where you pay at the pump.
4. PenFed doesn't know it the card will work at big box pumps like Safeway.
5. Can't be used at Costco because they don't accept Visa.
What's your experience?
BTW We have 2 Amex cards that cover all of the above but they also have limitations.
