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Pearl Rewards Platinum

Life should be rewarding

No red tape. No gimmicks. Earn a point for every dollar you spend.

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  • Lower rates, fewer fees

    What's better than a rewards card? A rewards card with no annual fees and comfortably low rates. Every purchase adds to your points, which are easy to redeem at our rewards site.
    • Cash back rewards
    • Shopping rewards
    • Travel rewards
    • And more!
  • Rates & Calculator

    Credit Cards

    Loan Type** Description Minimum Amount Max Amount APR*
    PHFCU Classic VISA Credit Card Fixed Rate $500.00 $15,000.00 13.90%
    PHFCU Visa Secured Credit Card Secured with Savings Account $500.00 $5,000.00 13.90%
    PHFCU Platinum Rewards Variable Rate $500.00 $15,000.00 6.99% + Prime

    *Annual Percentage Rate (APR). The loan rates advertised are “A” Tier loan rates in our Multi-Tiered Loan Rate Program. Other rates and terms are available. Other terms, conditions, and restrictions may apply. Visit any of our branches for more information. May not be used for a business loan. Borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice. **See Visa Credit Card Disclosure for additional information. Platinum Visa Disclosure, Visa Credit Card Agreement-Platinum, Visa Credit Agreement- Classic and Secured, Classic and Secured Classic Visa Disclosure.

  • To change the PIN on your credit card, please call 1-866-820-3015.
    If your card is lost or stolen, please call  808-73-PHFCU (737-4328) during business hours or 1-866-820-3015 after business hours to report the missing card.
    Once you receive your card, you can activate it by calling 866-883-8472.
    Yes! It's 866-820-3015.

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