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  Pen Air Federal Credit Union Mastercard Credit Card

Pen Air Federal Credit Union Mastercard Credit Card

in Personal Credit Cards from Pen Air Federal Credit Union

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Pen Air Federal Credit Union 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) 5.74%
Balance Transfer APR  (Variable APR) 5.74%
Credit Score Range 600 - 850
Annual Fee $0

Pen Air Federal Credit Union Mastercard Credit Card Review

This is a credit card issued by Pen Air Federal Credit Union. If you're wondering whether Pen Air Federal Credit Union 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
  • Competitive APRs. Pen Air Federal Credit Union Mastercard Credit Card has a variable purchase APR of 5.74%
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Pros & Cons of Pen Air Federal Credit Union Mastercard Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Access to a concierge.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Pen Air Federal Credit Union Mastercard Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
Pen Air Federal Credit Union Mastercard Credit Card FAQ

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

No, it does not offer a rewards program.

What are the Pen Air Federal Credit Union 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 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 of 5.74%. The card has a variable balance transfer APR of 5.74% . It also has a variable cash advance APR of 5.74% .

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

No, it does not come with an intro APR offer for balance transfers.

Does Pen Air Federal Credit Union 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 Mastercard Credit Card?

The following fees apply:

Pen Air Federal Credit Union 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 card.

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

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

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

Yes, Pen Air Federal Credit Union 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 Mastercard Credit Card

  • Visit the Pen Air Federal Credit Union 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

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 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
  • Concierge
Rewards Type No Rewards
Cash Advance APR (Variable APR) 5.74%
Balance Computation “average daily balance” for each Transaction Type
Purchase APR (Variable APR) 5.74%
Balance Transfer APR (Variable APR) 5.74%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Balance Transfer
Card Network Mastercard

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