CREDIT CARDS
Get out there and live boldly with a PenAir Credit Union credit card powered by Mastercard®.
Whether you're a "rewards" person or a "low rates" person, you've come to the right place
With great rates, no hidden fees, and built-in-security features – PenAir has a Mastercard® Credit Card with your name on it.
Which PenAir Credit Union Credit Card will work best for you?
Compare these credit card options to find your perfect fit.
PenAir Rewards™ Mastercard®
Best if you ..
like cash back, travel, gift cards, merchandise, and using points at checkout.
New cardholders receive 20,000 bonus points when you spend $1,000 in the first 90 days of opening.**
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Fees
Low-Rate Mastercard®
Best if you ..
are more concerned with rates then rewards.
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Fees
Secured Mastercard®
Best if you ..
are building or rebuilding your credit.
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.
**Offer only available on new accounts. You will receive 20,000 PenAir Rewards™ bonus points upon making purchases totaling at least $1,000 (exclusive of credits, returns and adjustments) that post to your account within 90 days of the account open date. Account must be in good standing to receive the bonus points.
Take Control of Your Debt!
Apply for a PenAir Rewards Mastercard and take control of your debt with a card that rewards you every day. For a limited time, get 1.99% APR for 12 months on balance transfers made from January 15 to March 31 with no balance transfer fees.¹
Key Credit Card Features
No matter which card you choose, you’ll enjoy the same standout features—like no annual fees, competitive rates, and flexible rewards that fit your life.
No annual or balance transfer fees
You read that right – No annual or balance transfer fees!
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 capabilities
Pay securely in person or online when you link your PenAir Credit Union Credit Card to Apple Pay®, Samsung Pay™ or Google Pay®.
Contactless-enabled card
You’ll find so much power within this rectangular piece of plastic whenever you tap, insert, or swipe!
Automatic Billing Updater when you need a new card
New credit card number? Don’t fret. Most automatic payments will transfer seamlessly to your replacement card.
Card Alerts for transaction notifications
Make sure no transaction gets by you undetected when you set up real-time Card Alerts on your PenAir Mastercard® Credit Card.
Need a Business Credit Card?
PenAir can serve your business credit card needs with many of the same great features we offer individual members.
Crunching The Numbers
Need a little more information?
Maybe you’ll find what you’re looking for here.
We will be happy to have one mailed to your address within 7-10 business days.
Yes! Apply online any time, stop by one of our locations to apply in person, or give us a call during business hours at 850.505.3200 and we’ll take your application over the phone.
Ready for this one? There’s no application fee. There are no balance transfer fees. There are no annual fees. That’s pretty good, right? We think so too.
For Lost or stolen cards, call PenAir: 850.505.3200
Smart credit card management.
Keep up to date with the latest methods to manage credit card security, debt and more.
De-Mystifying Credit Scores
Credit Score Insight: The Basics
Credit Cards: How and When to Educate Your Teen
What are you waiting for? Apply for your new PenAir Credit Union credit card right now.
Disclosures
© 2026 PenAir Credit Union. Federally insured by NCUA. *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. **Offer only available on new accounts. You will receive 20,000 PenAir Rewards™ bonus points upon making purchases totaling at least $1,000 (exclusive of credits, returns and adjustments) that post to your account within 90 days of the account open date. Account must be in good standing to receive the bonus points.
¹Introductory Balance Transfer Promo rate of 1.99% APR, for qualifying members, through the March 2027 billing cycle on balance transfers made from 01/15/2026 through 03/31/2026. This preapproval offer is good through 03/31/2026. *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. All loans are subject to approval. Rates as low as 12.90% APR. If you fail to make a payment that is due for two (2) or more consecutive billing periods, the rate may default to your Penalty APR. Rates are subject to change without notice. No annual or balance transfer fee. 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. Limits range from minimum of $1000 to a maximum of $25,000. Offer only available on new accounts.