Apped online was approved in about 2 hours 17k 9.99%.
The application was easy, customer service always frendly and willing to help, they always offer balance transfer fo 4.99% without balance transfer fee.
Not aware of credit card that offers 4.99% (not an introdutory rate)
Applied for the card online newer to PenFed, Pulled EQ 816 score, instant approval 22,000. have had no problems with the card yet, did offer bal transfer for 12mo 0 interest, use to travel customer service always good and in USA. No Problems had 1.5yrs!!