I want to give you honest info, so I won't sugar coat it much. It looks like you're starting off well enough with your credit, the score is looking nice at 709, however, that does not get you a CC with PenFed. They require a lot more than a good score to approve a card. I wouldn't apply for anything from PenFed with anything less than a 725. I am an AU on a PenFed, not the primary. It is a nice card and they are very nice on the phone, but I wouldn't waste applying myself, I went for NFCU.
The 0.8 AAoA is a bit short for any prime card, almost a guaranteed decline from PenFed. If you had 8 years AAoA with a 709 and low utilization you MIGHT get approved by PenFed. As long as you still had nearly spotless reports (they might over look a couple 30 day lates with around 8 years AAoA). They also like to see rather large limits on other cards (again, with fairly long AAoA) and near spotless history.
A few people I've heard have gotten lucky and applied and were approved by them (most likely with DD or a history with PenFed). They are very hard to obtain a card from, I'd say harder than AMEX has ever been known (rumored actually) to be. You'll want more history (a couple years at least AAoA), a couple high limit cards, and a score over 725 at the very least before you'd be wasting an inquiry. Unless you can throw 30 or so grand at them for CD's or something.
As most would say "YMMV" but I want you to know the most honest answer in general to your question, taking into consideration what info was supplied. (At the time of this post, no one else had responded so far).
They are also not the only credit union out there with lower auto rates, NFCU is fairly low I think along with a few others.
If you're still curious about your chances, call PenFed about applying and ask questions, they're very helpful with good CSR's. They have no "backdoor number" that I know of myself.
@IowaGuy wrote:
more info -my credit history is much thicker. 4 revolvers 3 with good Hx and 1 new with little Hx, oldest is 4 years. 3 student loans in good standing oldest is 12 years, 1 collection 6 years old. Fico at time of app 705.
I'm gonna guess that the 12 year SL history could have had a bit to do with your approval though. 1 collection 6 years ago in a 12 year history is not bad, esp with your file, I'm going to guess you had at least 1 5 figure card or 2 5000+ cards in that mix (before applying with PenFed maybe). You also had 6 months of history with them at time of card application (first line of my 3rd paragraph). Do you by any chance remember what your AAoA was at the time of approval?
I also tend to focus on the Cash Rewards card from PenFed (the 5% back on gas at the pump deal) when speaking of them, I don't know if it's a harder to get card or not, just going on what I've read and was told (by PenFed CSR's on the phone etc). I guess I figure that's their most popular product to apply for.
I also agree with the advice you gave in your first post considering the additional info 
@Carlile92 wrote:
I want to know my chances of approval for a pen fed visa I am very interested in building a relationship with this credit union to get auto loan in future. I have a 709 fico score as of today from my fico with a couple of new account and double digit inq aaoa is 0.8 years no baddies ever but very short history great payment history on one cap one cc opened in July
I would get some solid history (at least a year on all CC TL's) before apping for them.
I wouldn't waste the app, right now.
