Last Updated: 07/28/2025
Pen Air FCU Rewards Mastercard Credit Card
Unaffiliated
Last Updated: 07/28/2025
No Reviews Yet
This product has no reviews yet. Help others by sharing your thoughts.
Be the first to rate
Cast Your Vote
Compare All Credit Cards
Filter & compare all your options in one place.
Highlights
Purchase APR (Variable APR)
8.9% - 18%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
8.9% - 18%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
650 - 850
Annual Fee
$0
Pen Air FCU Rewards Mastercard Credit Card Review
This is a rewards card issued by Pen Air Federal Credit Union. If you're wondering whether Pen Air FCU Rewards Mastercard Credit Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 12 months, which is the average period for 0% APR balance transfer cards.
- Welcome offer. Offers a signup bonus of 20000 points that can be redeemed for travel, gifts, or other perks.
- APRs: Pen Air FCU Rewards Mastercard Credit Card has a variable regular 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 odds if you have a fair credit score or better.
Pros & Cons of Pen Air FCU Rewards Mastercard Credit Card
| The Good | The Bad |
|
Pen Air FCU Rewards Mastercard Credit Card FAQ
Does Pen Air FCU Rewards Mastercard Credit Card have a cash back or rewards program?
Pen Air FCU Rewards Mastercard Credit Card is a rewards card.
| Description |
Does Pen Air FCU 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 that can be redeemed for travel, gifts, or other perks.Does Pen Air FCU Rewards Mastercard Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Pen Air FCU Rewards Mastercard Credit Card benefits?
Pen Air FCU Rewards Mastercard Credit Card provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Pen Air FCU Rewards Mastercard Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Pen Air FCU Rewards Mastercard Credit Card 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 FCU 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 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 8.9% - 18% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Pen Air FCU 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 FCU Rewards Mastercard Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 FCU Rewards Mastercard Credit Card?
The customer service number for Pen Air FCU Rewards Mastercard Credit Card is (850) 505-3200.
What is the support contact email for Pen Air FCU Rewards Mastercard Credit Card?
The support contact email for Pen Air FCU Rewards Mastercard Credit Card is marketing@penair.org.
What is the login page for Pen Air FCU Rewards Mastercard Credit Card?
You can access the login page of Pen Air FCU Rewards Mastercard Credit Card here.
How do people rate the customer service and user experience of Pen Air FCU Rewards Mastercard Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Pen Air FCU Rewards Mastercard Credit Card report your account activity to credit bureaus?
Yes, Pen Air FCU Rewards Mastercard Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does Pen Air Federal Credit Union perform a hard credit pull?
Yes, Pen Air FCU Rewards Mastercard Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Pen Air FCU Rewards Mastercard Credit Card
- Visit the website of Pen Air FCU Rewards Mastercard Credit Card.
- 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.
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