If you’re a fan of the University of West Florida and you want to continually show your support for this university, then an affinity credit card may be the way to go. If you are looking for the official University of West Florida affinity credit card, then you’ll find that at the Pen Air Federal Credit Union. There are many universities in Florida–this credit card is for the University of West Florida
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Pen Air Federal Credit Union is open to more than 1,000 employee groups including any current or former military personnel, and their families. In addition, this credit union accepts civil service employees and members of the Friends of the Navy-Marine Corps Relief Society.
Pen Air University of West Florida Visa Platinum Affinity Program
An affinity program works by having the issuer of your credit card agree to pay a certain amount of money to the charity, organization, or school in question each time the cardholder makes a purchase using their credit card. The amount of this donation will depend upon a contract between the card issuer and the recipient of the donation.
In this case, a portion of each total purchase that you make will be donated to the University of West Florida Alumni Association. This only applies to purchases, so balance transfers and cash withdrawals do not qualify for the affinity program.
Usually there is a maximum donation from the card issuer. However, there is nothing in the disclosure for the University of West Florida Visa Platinum credit card to suggest that there’s a limit for this particular program.
Pen Air FCU University of West Florida Visa Platinum Terms
Just because this is an affinity credit card doesn’t mean that Pen Air FCU isn’t required to follow the same rules from the Federal Reserve that are required for any type of credit card.
As such, there are some fees associated with this card, but they don’t exceed the allotted maximum.
Some of the terms include:
- No annual fee
- 8.9% to 17.9% variable credit card APR for purchases, cash advances, and balance transfers
- 18% penalty APR
- 25-day grace period on new purchases
- $29.00 late payment and/or returned payment fee
- 1% foreign transaction fee
- 3% cash advance fee ($5 minimum)
Pen Air FCU University of West Florida Visa Platinum Bottom Line
If you are a supporter of the University of West Florida and you want to make regular, passive donations to the school, then this is a card you should consider. It has an excellent starting APR, but it can get out of hand quickly if you should miss a payment and the penalty APR kicks in.
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