According to myFICO user UpperNwGuy has received a letter from PenFed stating that effective March 1st, 2020 the following cash-like transactions will be treated like cash advances with no grace period and subject to cash advance APR:
- Online transfers to a deposit account
- Purchases of casino gaming instruments
- Purchases of travelers checks
- Race track wagers or similar
- Purchases of money orders
- Purchases of foreign currency
- Purchases of lottery tickets
- Purchases of cryptocurrency
- Making a payment using a third party service
