SECURED CREDIT CARD
Build or rebuild your credit a PenAir secured credit card powered by Mastercard®.
If you are struggling to build or rebuild a good credit history, a PenAir Secured Credit Card could provide you with a solution. Forget the “quick fix” schemes, a secured credit card works like a regular credit card anywhere Mastercard® is accepted and PenAir reports your on-time payments to the credit bureau to provide a positive impact to your credit history. A secured card requires a refundable deposit upfront to open the account. This deposit is typically equal to your credit limit.
How You Can Use a Secured Credit Card to Build Your Credit History
Apply for and secure your card with a deposit.
Use your card to make purchases, then make at least the minimum required payment on time each month.
Your responsible use of your PenAir secured credit card will be shared with the credit bureau to help you build a positive credit history.
Ready, set, go
Possibilities are endless when the right credit card falls into the right hands.
Key Secured Credit Card Features
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.
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.
Smart credit card management.
Keep up to date with the latest methods to manage credit card security, debt and more.
Credit Cards: How and When to Educate Your Teen
Which Card Is Right For You, In College?
Expert Tips on Protecting Yourself Against Credit Card Fraud
What are you waiting for? Get for your new PenAir Credit Union credit card today.
Disclosures
© 2024 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.