Pen Air Federal Credit Union Business Mastercard Credit Card Review

• Competitive APRs. Pen Air Federal Credit Union Business Mastercard Credit Card has a variable purchase APR of 8.9%
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

The Good	The Bad
Lower than average purchase APRs. No annual fee. Access to a concierge. Identity Theft Protection. Cardholders can earn rewards on purchases everywhere Pen Air Federal Credit Union Business Mastercard Credit Card is accepted. Pen Air Federal Credit Union Business Mastercard Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus.

Who is Pen Air Federal Credit Union business credit card designed for?

This is a credit card issued by Pen Air Federal Credit Union. 

This business card is designed for small businesses with fair credit. The minimum credit score to apply is 650.

What are the relevant APRs?

This business credit card has a variable purchase APR of 8.9%. The card has a variable balance transfer APR of 8.9% .

It also has a variable cash advance APR of 8.9%.

What fees does it charge?

The following fees apply to this business credit card:

• There is no annual fee.
• A late payment penalty of up to $29.
• A returned payment fee of up to $29.
• An overlimit fee of $29.

Does it offer a cash back rewards program?

This business credit card offers a rewards program to its customers. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:

• Every Purchase

Can I get it with just an employer identification number (EIN)?

You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.

What are the benefits?

This business credit card provides the following benefits:

• Fraud Liability
• Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is (850) 505-3200.

What is the support contact email?

The support contact email for this business credit card is marketing@penair.org.

Does Pen Air Federal Credit Union Business Mastercard Credit Card report your account activity to credit bureaus?

Yes, Pen Air Federal Credit Union Business Mastercard Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply?

• Visit the Pen Air Federal Credit Union .
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
• Check the information is accurate and submit your application.
• If you're denied click here to find out why your application may have been rejected and what you can do about it.