Credit Card

Building a successful financial plan takes the right resources. That’s why we work hard to provide you with quality financial services and products, like our convenient, flexible MasterCard® Credit Card. It’s accepted at thousands of locations worldwide for just about any type of purchase you can dream up. And, unlike those big out-of-town institutions, our card comes with the personal, friendly service you’ve come to expect from us. So, whatever your plans, choose the credit card that gives you all the vale and buying power you need to get your projects off the drawing board.

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

12.00% Fixed

APR for Balance Transfers


APR for Cash Advances

12.00% Fixed

Penalty APR and When It Applies


Paying Interest

Your due date is at least 25 days after the close of each billing cycle. We will begin charging interest on retail purchases and/or cash advances on the transaction date.

Minimum Interest Charge


For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the web site of the consumer Financial Protection Bureau at


Annual Fee


Transaction Fees

Balance Transfer


Cash Advances


Foreign Transaction

Up to 1.0% Currency Conversion/0.90% Non-Currency

Penalty Fees

Late Payment

Up to $25.00

Over-the-Credit Limit

Up to $25.00

Returned Payment

Up to $18.00

Other Fees


How we will calculate your balance: We use a method called “average daily balance” (excluding new purchases). An explanation of this method is provided in your account agreement.

For more information about Bank of Pensacola credit cards, contact our Customer Service Representatives at 1-800-874-3121.