The Motley Fool

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Why The Motley Fool

Brash and irreverent brothers David and Tom Gardner founded The Motley Fool back in 1993 with a couple "crazy" notions:

  1. Investing didn't have to be so complex that normal people couldn't understand and profit from it on their own
  2. Wall Street's closely-guarded formula for investing success wasn't all it was cracked up to be

Two decades later, we've guided everyday investors to market-beating returns in various financial newsletters such as Motley Fool Stock Advisor and Motley Fool Rule Breakers.

But more importantly, we've leveled the playing field for ordinary investors trying to make money in an arena traditionally plagued with complicated financial jargon, indecipherable numbers, and advisors that don't always have your best interests at heart.

The idea of "Foolish" investing has made The Motley Fool a fast-growing community based on transparency, shared learning, and above all, fun.

Why PenFed

PenFed is a credit union federally insured by the NCUA with more than 75 years of experience in fulfilling a single mission: to serve over 1.2 million worldwide members with the absolute best possible services and experience that we can.

Our mindset is different from banks, because we aren't beholden to Wall Street whims, practices, or culture. We're beholden to our members and our members alone. That's embodied in our organizational charts, which literally position our members at the top.

And while many banks are primarily concerned with share price and revenue, we're obsessed with maximizing value and benefits for our members by offering them the lowest loan rates and highest credit card rewards within our power.

Why we partnered

A message from The Motley Fool's CEO and Co-founder, Tom Gardner


Finance and financial management are some of the least consumer-friendly industries out there right now. That's why The Motley Fool and PenFed both take so much pride in being fanatical about doing right by our members.

So when we had a chance to team up to offer three unique credit cards in order to better our member experience even more, we both jumped at it. It's a win-win for us and a double-win for our loyal members too. Because we both feel like once you stop trying to improve the experience for your members, you've reached the end of the line as a business.

Complimentary Subscription to Motley Fool Stock Advisor

When you sign up with a Motley Fool/PenFed credit card, you'll also get a complimentary 12 months... of our world-renowned flagship newsletter Motley Fool Stock Advisor!

That means you get two stock picks a month—one each from the legendary investing brother duo of David and Tom Gardner. As well as insightful and easy-to-understand daily financial articles. Not to mention our entire backlog of picks over the last decade, why we loved each company, and our track record from each pick.

That's investment advice that's potentially worth tens of thousands of dollars. And we're giving it to you for absolutely nothing when you sign up for a Motley Fool/PenFed credit card today!

Compare The Motley Fool PenFed Credit Cards with other leading products:

The Motley Fool PenFed Platinum Cash Rewards Visa®Card

Pricing and Terms

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The Motley Fool PenFed Platinum Cash

Bank Americard
Cash Rewards

Chase Freedom®

American Express
Blue Cash Everyday®

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No Annual Fee

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No Overlimit Fee

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No Foreign Transaction Fee

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Motley Fool Card

Motley Fool Card

Motley Fool Card

Rewards Earning Structure

  • 5% on Motley Fool purchases*
  • 3% on gas*
  • 1% on all other*
  • 2% on groceries
  • 3% on gas up to $1,500 in combined quarterly gas plus grocery purchases
  • 1% on all other purchases
  • 1% on all purchases plus 4% in bonus categories, subject to a quarterly maximum of $1,500
  • 3% on supermarket purchases for first $6,000 in each calendar year, 1% thereafter
  • 2% on gas and select major department stores
  • 1% on all other purchases

Unlimited Rewards

Motley Fool Card

Motley Fool Card

Motley Fool Card

Motley Fool Card

Purchase APRs

13.99% Variable

0% intro APR for first 12 billing cycles. After that, 12.99% - 22.99% Variable

0% intro APR for first 15 billing cycles. After that, 12.99% - 22.99% Variable

0% intro APR for 12 months. After that 12.99% - 21.99% Variable

Cash Advance APRs

13.99% Variable

22.99% - 24.99% Variable

19.24% - 23.24% Variable

25.24% Variable

*Paid at the pump
Source: chase.com; capitalone.com; bankofamerica.com (as of 4/17/2013)
Rates and offers current as of April 2013 and are subject to change.
*Cash advances, credit card checks, and balance transfers are excluded from earning cash rewards.
Visa USA determines which transactions are classified as paid at the pump.
Fuel purchase for airplanes & boats receive 1% cash back.

The Motley Fool PenFed Premium Travel Rewards
American Express® Card

Pricing and Terms

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The Motley Fool PenFed Premium Travel Rewards American Express® Card

Chase Sapphire Preferred

United Mileage Plus Chase Explorer

Capital One Venture

Motley Fool Card Motley Fool Card Motley Fool Card Motley Fool Card

No Annual Fee

Motley Fool Card

$95

$95

$59

No Foreign Transaction Fee

Motley Fool Card

Motley Fool Card

Motley Fool Card

Motley Fool Card

Points Earning Structure

  • 5 points/$1 on airfare purchases
  • 3 points/$1 on Motley Fool purchases
  • 1 point/$1 on all other purchases
  • 2 points/$1 on travel & restaurants
  • 1 point/$1 on all other purchases
  • 1:1 point transfer to participating frequent travel programs
  • 2x miles/$1 on United ticket purchases
  • 1 mile/$1 on all other
  • 2x miles/$1 with every purchase

Purchase APRs

13.99% Variable

15.24% Variable

15.24% Variable

13.9% - 20.9% Variable

Cash Advance APRs

13.99% Variable

19.24% Variable

19.24% Variable

24.9% Variable

Airport VIP Lounge

2 Complimentary visits to >350 VIP airport lounges in 200 cities worldwide after spending $15,000 annually

Motley Fool Card

2 one-time passes each year to the United Club

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Concierge Service

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Motley Fool Card

Motley Fool Card

Source: chase.com; capitalone.com (as of 4/17/2013)
Rates and offers current as of April 2013 and are subject to change.
* The PenFed Premium Travel Rewards American Express® Credit Card 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.
Cash advances, credit card checks, and balance transfers are excluded from earning point rewards.

The Motley Fool PenFed Promise Visa Card

Pricing and Terms

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The Motley Fool PenFed Promise

BarclayCard Ring

Chase Slate

Citi Simplicity

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No Annual Fee

Motley Fool Card

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No Overlimit Fee

Motley Fool Card

Motley Fool Card

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Motley Fool Card

No Foreign Transaction Fee

Motley Fool Card

Motley Fool Card

Motley Fool Card

Motley Fool Card

Penalty Pricing

Motley Fool Card

Motley Fool Card

Motley Fool Card

Motley Fool Card

Purchase APRs

7.49% introductory purchase APR for 36 months. After that, the APR will vary with the market based on the Prime Rate, and is currently 9.99%.

8% variable

11.99% - 21.99% Variable

12.99% - 21.99% Variable

Cash Advance APRs

9.99% Variable

8% Variable, plus $1 per cash advance transaction.

23.99% Variable, plus $1 per cash advance transaction.

12.99% - 21.99% Variable, plus $10 or 5% of the amount of cash advance.

Source: barclaycardring.com; chase.com; citibank.com (as of 4/17/2013)
Rates and offers current as of April 2013 and are subject to change.
The Motley Fool PenFed Promise Visa® Cardholders must subscribe to our e-statement
service for ALL active credit card accounts held with PenFed.
PenFed is not affiliated with or endorsed by Upromise, Inc.

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