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Personal Credit Cards

Competitive fees and rates. Great, industry-leading rewards. Choose from PenFinancial’s full suite of personal credit cards and enjoy flexible benefits that suit your needs.

Already a cardholder? Log in to your PenFi Collabria Mastercard® account →

Apply for a PenFi Credit Card

Cash Back Mastercard®

No annual fee. 1% cash rewards on all purchases. Mobile device insurance. The Cash Back Mastercard® is a popular choice among PenFinancial Members.

PenFinancial_Mastercard-Web-Cash-Back

Key Features

  • No annual fee
  • 1% cash rewards on all purchases
  • 2% cash rewards on gas purchases
  • Zero Liability Fraud Protection
  • Purchase Protection & Extended Warranty
  • Mobile Device Insurance
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World Mastercard®

2% Cash Rewards on all purchases. A plethora of other rewards including emergency health care coverage. The World Mastercard is the most premium card available to our Members.

PenFinancial World Mastercard

Key Features

  • $120 annual fee
  • 2% cash rewards on all purchases
  • Zero Liability Fraud Protection
  • Earn FlexRewards
  • Auto Rental Collision/Loss Insurance
  • Purchase Protection & Extended Warranty
  • Emergency Health Care Coverage
  • Trip Cancellation & Interruption Insurance
  • Lost or Delayed Baggage Coverage
  • Common Carrier Accident Protection
  • 24/7 Travel Assistance
  • Price Protection Service
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Centra Gold Mastercard®

The Centra Gold Mastercard offers our Members a significantly reduced interest rate along with 1% Cash Rewards on all purchases. A great choice for Members who may carry a balance month-to-month.

PenFinancial Centra Gold Mastercard

Key Features

  • $50 annual fee
  • 1% cash rewards on all purchases
  • Interest rate (purchases): 9.90% fixed
  • Zero Liability Fraud Protection
  • Auto Rental Collision/Loss Insurance
  • Purchase Protection & Extended Warranty
  • Common Carrier Accident Protection
Apply Now
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US Dollar Mastercard®

Purchase using US currency, receive travel benefits, and pay the credit card using your PenFinancial US Dollar Account. A popular choice for our Members who frequent the United States.

PenFinancial US Dollar Mastercard

Key Features

  • $50 USD annual fee
  • Zero Liability Fraud Protection
  • Earn FlexRewards
  • Auto Rental Collision/Loss Insurance
  • Purchase Protection & Extended Warranty
  • Emergency Health Care Coverage
  • Trip Cancellation & Interruption Insurance
  • Lost or Delayed Baggage Coverage
  • Common Carrier Accident Protection
  • 24/7 Travel Assistance
Apply Now
Learn more →

® The PenFinancial Credit Union Collabria Mastercard is issued by Collabria Financial Services Inc. pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

All Credit Cards are subject to change without notice.

For complete terms and conditions of all features and rewards please visit the Collabria Mastercard website.