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  Pen Air Federal Credit Union CU Rewards Mastercard Credit Card

Pen Air Federal Credit Union CU Rewards Mastercard Credit Card

in Personal Credit Cards from Pen Air Federal Credit Union

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Pen Air Federal Credit Union CU Rewards Mastercard Credit Card

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in Personal Credit Cards from Pen Air Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 8.9% - 18%
Balance Transfer APR  (Variable APR) 8.9% - 18%
Credit Score Range 650 - 850
Annual Fee $0

Pen Air Federal Credit Union CU Rewards Mastercard Credit Card Review

This is a rewards credit card issued by Pen Air Federal Credit Union. If you're wondering whether Pen Air Federal Credit Union CU Rewards Mastercard Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • Signup bonus. Offers a signup bonus of 20000 points after spending $1,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Pen Air Federal Credit Union CU Rewards Mastercard Credit Card has a variable purchase APR that ranges from 8.9% up to 18%.
  • 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.
  • $0 Balance transfer fee. This card does not charge a fee on balance transfers.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of Pen Air Federal Credit Union CU Rewards Mastercard Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • No balance transfer fee.
  • No annual fee.
  • Access to a concierge.
  • Identity Theft Protection.
  • Cardholders can earn rewards on purchases everywhere Pen Air Federal Credit Union CU Rewards Mastercard Credit Card is accepted.
  • Pen Air Federal Credit Union CU Rewards Mastercard Credit Card reports to multiple credit bureaus.
Pen Air Federal Credit Union CU Rewards Mastercard Credit Card FAQ

Does Pen Air Federal Credit Union CU Rewards Mastercard Credit Card have a cash back or rewards program?

Pen Air Federal Credit Union CU Rewards Mastercard Credit Card is a rewards card.

Pen Air Federal Credit Union CU Rewards Mastercard Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus (Points/Miles) 20000
Signup Bonus Spend Requirement $1000
Signup Bonus Spend Period (months) 3 months

Does Pen Air Federal Credit Union CU Rewards Mastercard Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 20000 points signup bonus after spending $1000 that can be redeemed for travel, gifts, or other perks.

Does Pen Air Federal Credit Union CU Rewards Mastercard Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Pen Air Federal Credit Union CU Rewards Mastercard Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Pen Air Federal Credit Union CU Rewards Mastercard Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 8.9% up to 18%. The card has a variable balance transfer APR that ranges from 8.9% up to 18%. It also has a variable cash advance APR that ranges from 8.9% up to 18%.

Does Pen Air Federal Credit Union CU Rewards Mastercard Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.

Pen Air Federal Credit Union CU Rewards Mastercard Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 8.9% - 18%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Does Pen Air Federal Credit Union CU Rewards Mastercard Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Pen Air Federal Credit Union CU Rewards Mastercard Credit Card?

The following fees apply:

Pen Air Federal Credit Union CU Rewards Mastercard Credit Card Fees
Fees Amount
Annual Fee $0
Returned Payment Fee up to $29
Late Payment Fee up to $29

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

What is the customer service phone number for Pen Air Federal Credit Union CU Rewards Mastercard Credit Card?

The Pen Air Federal Credit Union CU Rewards Mastercard Credit Card customer service number is (850) 505-3200.

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

Yes, Pen Air Federal Credit Union CU Rewards 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 for Pen Air Federal Credit Union CU Rewards Mastercard Credit Card

  • Visit the Pen Air Federal Credit Union CU Rewards Mastercard Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by Pen Air Federal Credit Union

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Availability

  Available in 2 states
  • Alabama
  • Florida

Feature Breakdown

Every Purchase (Points) Starting at 1
No Annual Fee
Annual Fee $0
Cash Advance Fee Minimum $5
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $5
Returned Payment Fee Up to $29
Late Fee Amount Up to $29
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
  • Concierge
Rewards Categories
  • Every Purchase
Signup Bonus (points) 20,000
Cash Advance APR (Variable APR) 8.9% - 18%
Balance Computation average daily balance” for each Transaction Type.
Purchase APR (Variable APR) 8.9% - 18%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 8.9% - 18%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Balance Transfer
Card Network Mastercard

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