The PenFed Pathfinder Rewards Visa card is still offering a fantastic perk in 2026: a $100 annual airline fee credit, and the card itself has no annual fee! That's right, you can snag a free $100 towards airline expenses every year just for having the card. This is huge for us award travelers because it can offset those annoying baggage fees, change fees, in-flight snacks (we all cave eventually!), lounge access, or even pet travel costs. The credit works with a wide range of US-based airlines, including American, Delta, United, Southwest, and more.

So, what doesn't it cover? Generally, it excludes the actual airline tickets, upgrades, buying miles, transferring miles, gift cards, duty-free, and award tickets. However, savvy travelers have been experimenting, and there are data points suggesting that certain airline gift card purchases (especially those under $50) do trigger the credit. For example, some users have had success purchasing smaller denomination gift cards or using airline travel banks.

The key takeaway here? This card is a no-brainer if you can use that $100 credit each year. Even if you only fly once a year, that's essentially a free flight! Keep an eye on what purchases trigger the credit.