Business Credit Cards
Make moves and get rewards along the way.
Reach Your Business Goals
With a low rate and 1 point earned for every dollar spent, the PenAir Mastercard® Business Card is the perfect partner for your business.
Mastercard® Business Credit Card
Best if you ..
are a business owner that wants to earn
PenAir Rewards™ points.
APR
Fees
*APR=Annual Percentage Rate. APR is based on the Wall Street Journal Prime Rate which may vary with the market and is based on creditworthiness, qualifications and collateral conditions. The cash advance fee is $5.00 or 3.00% of the amount of each cash advance, whichever is greater. Subject to credit approval. Additional limitations, terms and conditions may apply.
Maximize Your Points for Ultimate Rewards
With the PenAir Business Credit Card, earn points on every dollar you spend and redeem them for things that work for you.
With Points That Bring You More
- Choose Your Rewards: Redeem your PenAir Reward™ points for merchandise, travel, experiences, gifts, charitable donations, and more.
- Shop & Earn Bonus Points: Earn extra points at participating merchants through the Shop & Earn portal.
- Get Flexible Cash Back: Get cash back faster—redeem points straight to your PenAir Business account in just a few days.
- Fuel Discounts at the Pump: Use points to get $0.50 off per gallon (up to 20 gallons) at participating gas stations.
Reach Your Business Goals
Business Credit Card Benefits
Incredible Rates
Pay less interest with some of the most competitive rates around.
No annual or balance transfer fees
You read that right – No annual or balance transfer fees.
Card Alerts
Monitor your card by setting up alerts to notify you of transactions and suspicious activity.
24/7 fraud monitoring
Your card comes with a fraud department that monitors your card at all hours so you can get some rest.
Digital Wallet
Load your card onto your mobile device, then tap to pay for purchases quickly and securely.
Earn PenAir Rewards
Get rewarded for every dollar you spend with our PenAir Rewards program.
The Fine Print
Check out some of our resources to help you get started with PenAir’s Business Credit Card.
Need a little more information?
Maybe you’ll find what you’re looking for here.
Typically:
- You have a recurring payment set up with a merchant(s).
- Account changes are made to your credit card account (new card number, updated expiration date due to reissue, etc.).
- You will not need to advise merchants about changed account information. The ABU provides updated account information to participating merchants on your behalf. This allows recurring transactions to continue without interruption, thereby resulting in fewer authorization declines.
Business Lines of Credit tend to offer higher credit limits than Business Credit Cards. Business Credit Cards come with interest-free days, whereas Business Lines of Credit don’t. While several Business Credit Cards offer rewards, Lines of Credit do not.
Any PenAir Credit, Debit, or Business Mastercard® can be uploaded into your Digital Wallet app.
For Lost or stolen cards, call PenAir: 850.505.3200
Apply for Your Business Credit Card - it's easy.
Disclosures
© 2026 PenAir Credit Union.
*APR=Annual Percentage Rate. APR is based on the Wall Street Journal Prime Rate which may vary with the market and is based on creditworthiness, qualifications and collateral conditions. The cash advance fee is $5.00 or 3.00% of the amount of each cash advance, whichever is greater. Subject to credit approval. Additional limitations, terms and conditions may apply.