Balance is the key. For everything in life. Creating balance requires financial strength. Having control of your money allows you to move forward on your journey so you can afford to do the things you love. Create balance today by transferring your high interest rate credit card balance to a new Pen Air Mastercard® between 1/15/17 and 3/15/17 and receive 3.99% APR* and start on your path of financial balance.

Credit Cards

Stop fraud in its tracks!

Credit Card alerts allow you to keep track of card activity anytime, anywhere! You'll be able to monitor real-time activity and spot suspicious transactions sooner.

  • Monitor transactions made outside of the U.S.
  • Monitor purchasing activity
  • Monitor real-time transactional activity
  • Set up multiple destinations for text and email alerts
  • Modify or delete alerts any time
Register Your Credit Card Here

Pen Air Platinum MasterCard®

Consolidate your high interest credit card balances to our low-interest Platinum MasterCard® to make one monthly payment and unlock the possibilities!

Pensacola Blue Wahoos MasterCard®

Show your team spirit and earn CURewards™ with the official Blue Wahoos MasterCard®! Learn more about our Blue Wahoos MasterCard .

University of West Florida VISA® Platinum

Whether you are an Argo Alumni or a supporter of our local university, show your school spirit with a University of West Florida Visa® Platinum Credit Card. Each time you make a purchase, a percentage of the transaction income will be donated to the University of West Florida Alumni Association and Alumni Grant Program. Learn more about our UWF Visa Platinum Card .

Pensacola Ice Flyers VISA® Platinum

Support our local hockey team by showing your team spirit and earn CU Rewards™ points with our official Pensacola Ice Flyers VISA® Platinum Credit Card. Learn more about our Pensacola Ice Flyers VISA® Platinum Card .

Pensacola State College MasterCard®

Show your Pirate spirit and support our local state college with a Pensacola State College MasterCard® Credit Card! With every purchase, a portion of the transaction income will be donated to the Pensacola State College Alumni Association. Learn more about our PSC MasterCard® .

Apply Now

Design Your Own Card

Have your favorite digital photo printed on the front of your card and let your personality shine through! All you need to get started is a Pen Air Credit Card, a digital photo, and Online Banking.

Design Your Own Card FAQs

EMV Chip Card

What is EMV? EMV stands for EuroPay, MasterCard, VISA and it represents microchip technology in your card that increases security. The EMV Chip Card originated in Europe and has been instrumental in preventing the spread of credit and debit card fraud. EMV Chip Card technology is different than the typical magnetic strip card. It's far more secure and your safety is a priority for us. Pen Air accounts are monitored 24/7 for fraud. The microchip enhances this process by providing dynamic data at the time of use that cannot be known by someone who steals your card or card number.




© 2017 Pen Air Federal Credit Union. * APR = Annual Percentage Rate. 3.99% APR is available for balance transfers made between 1/15/17 and 3/15/17 on all new Pen Air credit cards. The 3.99% APR balance transfer rate is good through the March 2018 billing cycle as long as your account remains in good standing. After the March 2018 billing statement cycle, unpaid balances revert to your current APR which ranges from 9.4% to 18% APR. Your current APR may vary with the market and is based on the Wall Street Journal Prime Rate and subject to change. If you fail to make a payment that is due for two (2) or more consecutive billing periods, the special rate will default to your Penalty APR. Cash advance fee is $5.00 or 3.00% of the amount of each cash advance, whichever is greater. Foreign transaction fee is 1.00% of each transaction in U.S. dollars. Subject to credit approval. Additional limitations, terms and conditions may apply.