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

Credit Cards

Credit Where Credit is Due

Platinum

 


BECAUSE IT’S MORE THAN JUST A CREDIT CARD

Whether you’re using your Credit Cards to pay bills or your next cup of coffee, let us help. Perhaps, you are transferring balances to consolidate high-interest debt or want to earn rewards. Maybe, you’re looking to build your credit. Pearl Hawaii Federal Credit Union’s credit cards will give you the best of all worlds.

BENEFITS OF PEARL HAWAII’S CREDIT CARDS

  • No Annual Fees
  • Always Low Rates
  • Never An Application Fee
  • No Balance Transfer Fees

IMPORTANT NOTICE: Credit Card Conversion | July 2021

CREDIT CARDS | PEARL HAWAII REWARDS PLATINUM

LIFE SHOULD BE REWARDING

What’s better than card cards with rewards? 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.

Features

  • Cash Back
  • Gift Cards
  • Merchandise – Electronics or appliances from your favorite brands.
  • Travel perks – Flights on your favorite airlines, stay at a variety of hotels, and choose from a variety of rental car companies.
  • Experiences – Theme Parks, Sporting Events, Concerts, Plus More…
  • Rewards

CREDIT CARDS | PEARL HAWAII CLASSIC

BRING BACK THE HANABATA DAYS

With this credit card, we’ve taken things back to the good old days. You’ll get a nice low rate that never changes, and a set of terms that doesn’t take a detective to understand. Oh, and we don’t charge annual fees.

Features

  • Low, fixed rates
  • No annual fees
  • Straightforward terms

CREDIT CARDS | PEARL HAWAII SECURED 

WE BELIEVE IN SECOND CHANCES

We will help you get your credit back on track — or build it from the ground up. With Pearl Hawaii’s Secured Credit Cards, you’ll make a cash deposit to your account first, which determines your credit limit. For example, if you deposit $500, you can borrow up to $500. Overall, this Secured Credit Card is a no-risk way to build your credit score – fast.

FEATURES

  • Low, fixed rates
  • No annual fees
  • Build your credit when you have no or minimal credit, or credit with some hiccups.
  • Credit Cards

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

Feel confident at Pearl Hawaii

From the finest service to the latest tech, we’ve got your back in every possible way. At Pearl Hawaii, we are committed to providing you the most innovative products and services. From home or car loans and helping you with other banking services. Bank at any of our Oahu locations in Waipahu, Ewa Beach, Waianae, Honolulu, Pearl Harbor, or near the Airport. Additionally, you can bank using PHFCUOnline just like one of our branches. To contact us, call us at 808.737.4328, toll-free at 800.987.5583, or email us at MyFamily@phfcu.com.