REWARDS CREDIT CARD
Get started with 20,000 points* with the PenAir Rewards Mastercard®.
With the PenAir Rewards Credit Card, you earn points on every dollar you spend—all with a competitive low rate. Enjoy no annual fees and no balance transfer fees, making it the card that works hard for your wallet.
Turn Points Into Possibilities with PenAir Rewards™
With the PenAir Rewards Credit Card, earn points on every dollar you spend and redeem them for things you want.
- 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 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.
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
Ready, set, go
Possibilities are endless when the right credit card falls into the right hands.
What Makes PenAir Rewards Credit Card Shine
PenAir credit cards are packed with standout features—like no annual fees, competitive rates, and flexible ways to redeem your points. With the PenAir Rewards Credit Card—get everything you expect from a credit card, with a lot more joy built in.
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.
Earn Points, Redeem Rewards, Repeat
With PenAir Rewards, your everyday purchases are even more rewarding.
Earn Points Everyday!
From groceries to fuel to utility bills, your purchases really pay off. You’ve got three full years to use your PenAir Rewards points from the day they’re earned—plenty of time to turn everyday purchases into something meaningful.
Plus, new PenAir Rewards Mastercard cardholders can get 20,000 bonus points* when you spend a total of $1,000 in the first 90 days.
Get Points Faster with PenAir Rewards
Earn 1 point for every $1 spent on qualifying purchase—and when you activate featured offers you can earn even more! No rotating categories, no enrollment, and no minimums.
Activate your offers by logging into your digital banking account.
Redeem Your Points Your Way
Whether it’s cash back, gift cards, travel, merchandise, or experiences that match your style, the choice is yours. You can also support a charity through a donation or enjoy real-time rewards on qualified fuel and point-of-sale purchases.
Explore Rewards by logging into digital banking account.
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.
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. *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. **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.
The minimum payment each month is 2% of Your total New Balance, or $25, whichever is greater, plus any amount past due and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than $25.00, then Your Minimum Payment Due is the amount of the total New Balance.
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.