Pen Air's suite of Mastercard Credit Cards has the solution for you...Rewards or Low Rate or Secured or Business. Apply today.




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Mastercard® Credit Card Benefits

Possibilities are endless when the right credit card falls into the right hands. Bring convenience to your fingertips with perks and enhanced rewards that meet your individual needs. With great rates, no hidden fees, and built-in-security features – we’re showcasing the best credit cards that are sure to have a match with your name on it. What are you waiting for? Apply for your new Pen Air Mastercard® Credit Card online today!

Already a member? Applying is easy!  Want to become a member and apply for a credit card? We make that easy too!

More Rewards Your Way

Experience more of what you love with an introductory rate of 3.49% APR* on purchases and balance transfers made in the first 90 days of opening your new Pen Air Rewards Mastercard. New cardholders also receive 20,000 bonus points by spending $1,000 in the first 90 days after opening.

Offer valid August 30 – September 30, 2020

©2020 Pen Air Federal Credit Union. APR = Annual Percentage Rate. Offer valid on new Pen Air Rewards Mastercard credit cards opened August 30-September 30, 2020. Subject to final credit approval. Additional limitations, terms and conditions may apply. *3.49% APR available on purchases and balances transferred within 90 days after opening your new Pen Air credit card through the September 2021 billing period as long as your account remains in good standing. After that, unpaid balances revert to your standard APR which currently range from 8.90% to 18.00% APR. Your standard APR may vary based on the Wall Street Journal Prime Rate and is subject to change without notice. If you fail to make a payment that is due for two (2) or more consecutive billing periods, the special rate may default to your Penalty APR. Cash advance fee is $5.00 or 3.00% of the amount of each cash advance, whichever is greater. This offer is not applicable to current Pen Air FCU credit card members. **Earn 20,000 Bonus Points for opening your Rewards Mastercard and spending $1,000 in purchases within the first 90 days.

Which Card is Right For You?
Compare these credit card options and select your best fit!

Pen Air's Rewards Mastercard - A variable rate, unsecured credit card that earns CU Rewards® at a rate of one point per dollar.

Rewards Mastercard

With the best rewards credit card at Pen Air, you can redeem rewards points on a variable rate, unsecured card that earns new enhanced CU Rewards® at a rate of one point per dollar

Pen Air's Low Rate Mastercard - A variable lower-rate, unsecured credit card with no rewards. Recommended for rate sensitive members who carry a balance.


Balance conscious members get peace of mind with this variable, lower-rate, unsecured credit card.

Pen Air's Secured Mastercard® - A variable rate secured credit card with no rewards. perfect for building your credit

Secured Mastercard

Build your credit with this variable rate secured credit card.

Pen Air Mastercard Business Card - It’s anything but business as usual with this variable rate business credit card with CU Rewards®.

Mastercard Business Card

It’s anything but business as usual with this variable rate business credit card with CU Rewards®.

Enter to Win!

Use your debit or credit card at least four times per week, you could win $1,000.

10 random winners will be rewarded a $1,000 prize and 25 credit union will be chosen to win $4,000 to donate to a charity of their choice!

For more details, click here

Fraud Alerts

Our Fraud Alert texts are here to help you better monitor your account activity. You’ll receive a free text anytime something seems suspect – and we’ll walk you through the steps to clear your transaction(s).

The new automated system can reach you faster by text, phone, or email to review and identify potentially fraudulent activity on your card. Make sure you log in to Online Banking and update any outdated contact info, so you don’t miss out on these important notifications.

Members should be aware that, while Pen Air Federal Credit Union does monitor fraudulent or suspicious account activity and may proactively contact a member about this activity, we will never call and ask for confidential information such as your entire account number or PIN. Call 850.505.3200 if you have provided confidential information.