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Pearl Hawaii Credit Union
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Pearl Hawaii Credit Union
Apple GET - On the App Store

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

    Cards** 6 Month Promotional APR* TypeMin Max APR* AS LOW AS
    PLATINUM 2.022% & 0% on Balance TransfersVariable$500 $20,000 6.24% + Prime apply request increase
    REWARDS PLATINUM2.022% & 0% on Balance TransfersVariable$500$20,000 8.24% + Prime apply request increase
    CASH BACK PLATINUM2.022% & 0% on Balance Transfers Fixed$500$30,00018.00% apply request increase
    SECURED-Fixed$500$10,000 18.00% apply request increase

    *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. The borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice. The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first six months following the opening of your account. Any existing balances on Pearl Hawaii Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers. APR for Balance Transfers - 0.00% Introductory APR for a period of six billing cycles. After the 6 months promotional period, a card will revert to the approved Tier-Rate. Secured Credit Cards do not qualify for this offer.

    **See Visa Credit Card Disclosures for additional information.

  • 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.

You're just a couple minutes away

Fill out your application right here, and we'll send your new card directly to you.