Before you apply for a new credit card we recommend you to check your credit score. Since you closed your PenFed credit card your credit score could change. Once you know your current credit score you can start choosing the new card. We recommend a card that allows earning gas rewards. Just make sure rewards you will earn will cover the card fees. If you are not sure what features are more preferable for you pay your attention to the cards with 0% Intro APR and no annual fee like Discover it® Cash Back credit card. It allows you to collect 1% back on all purchases and 5% back on eligible rotating category purchases on up to the quarterly maximum (you need to register each decade to start getting rewards within the category).