A local Credit Card should provide the convenience and peace of mind you need, with the perks and rewards you deserve. With great rates, no hidden fees and built in-security features, our suite of Pen Air Credit Cards deliver the purchasing power to bring your dreams to life. Apply for your new Pen Air Credit Card today!


Attention Visa® Platinum credit card holders

In an effort to provide you a better cardholder experience with great rewards and benefits, we're excited to announce you will soon be receiving a NEW Pen Air Platinum Mastercard® credit card that will replace your current Pen Air Visa Platinum credit card.

Platinum Mastercard

Stop fraud in its tracks!

Credit Card alerts allow you to keep track of card activity anytime, anywhere! You'll be able to monitor real-time activity and spot suspicious transactions sooner.

  • Monitor transactions made outside of the U.S.
  • Monitor purchasing activity
  • Monitor real-time transactional activity
  • Set up multiple destinations for text and email alerts
  • Modify or delete alerts any time
Register Your Credit Card Here


Mastercard® Automatic Billing Updater

ABU helps ensure uninterrupted payment and service by seamlessly updating card-on-file account information to participating merchants in the event a card number changes or expires.

Automatic Billing Updater FAQs

Pen Air Platinum Mastercard® Credit Card

Consolidate your high interest Credit Card balances to our low-interest Platinum Mastercard® Credit Card to make one monthly payment and unlock the possibilities!

Pensacola Blue Wahoos Platinum Mastercard® Credit Card

Show your team spirit, local pride and give back to Early Brain Development while earning CURewards™ points with the official Blue Wahoos Platinum Mastercard® Credit Card! Each time you make a purchase, a percentage of the transacation income will be donated to Early Brain Development.  Learn more about our Blue Wahoos Mastercard® Credit Card .

University of West Florida Platinum Mastercard® Credit Card

Whether you are an Argo Alumni or a supporter of our local university, show your school spirit with a University of West Florida Platinum Mastercard® Credit Card. Each time you make a purchase, a percentage of the transaction income will be donated to the University of West Florida Alumni Association and Alumni Grant Program. Learn more about our UWF Platinum Mastercard® Credit Card.

Pensacola Ice Flyers Platinum Mastercard® Credit Card

Support our local hockey team by showing your team spirit and earn CURewards™ points with our official Pensacola Ice Flyers Platinum Mastercard® Credit Card. Learn more about our Pensacola Ice Flyers Platinum Mastercard® Credit Card .

Pensacola State College Platinum Mastercard® Credit Card

Show your Pirate spirit and support our local state college with a Pensacola State College Mastercard® Credit Card! With every purchase, a portion of the transaction income will be donated to the Pensacola State College Alumni Association. Learn more about our PSC Mastercard® Credit Card.

Apply Now

Design Your Own Card

Have your favorite digital photo printed on the front of your card and let your personality shine through! All you need to get started is a Pen Air Credit Card, a digital photo, and Online Banking.

Design Your Own Card FAQs

EMV Chip Card

What is EMV? EMV stands for EuroPay, Mastercard, VISA and it represents microchip technology in your card that increases security. The EMV Chip Card originated in Europe and has been instrumental in preventing the spread of credit and debit card fraud. EMV Chip Card technology is different than the typical magnetic strip card. It's far more secure and your safety is a priority for us. Pen Air accounts are monitored 24/7 for fraud. The microchip enhances this process by providing dynamic data at the time of use that cannot be known by someone who steals your card or card number.




© 2017 Pen Air Federal Credit Union. * APR = Annual Percentage Rate. APR may vary with the market and is based on the Wall Street Journal Prime Rate, which currently ranges from 9.90% to 18% APR and is based on creditworthiness, qualifcations and collateral conditions. The cash advance fee is $5.00 or 3.00% of the amount of each cash advance, whichever is greater. Foreign transaction fee is 1.00% of each transaction in U.S. dollars. Subject to credit approval. Additional limitations, terms and conditions may apply.