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Pearl Hawaii Credit Union
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Pearl Hawaii Credit Union
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Credit Cards

Credit Where Credit is Due

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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

  • Always Low Rates
  • No Annual Fees
  • No Account Set-Up Fee
  • No Program Fee
  • No Participation Fee
  • No Additional Card Fee
  • No Application Fee
  • No Transaction Fee for Purchases
  • No Cash Advance Fee
  • No Foreign Transaction Fee
  • ID Theft Protection
  • Airport Concierge
  • Global Service

 

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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.

REWARDS

  • 6 Month Intro Rate of 2.022% APR*
  • 0% on Balance Transfers for 6 Months*
  • No Cap on Points Earned
  • 1 point per $1 spent
  • 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…

Disclosures

CASH BACK PLATINUM

LET’S GIVE YOU CREDIT

There’s nothing better than cash if you want the flexibility to choose where to use the rewards you earn.

REWARDS

  • 6 Month Intro Rate of 2.022% APR*
  • 0% on Balance Transfers for 6 Months*
  • Up to 2.00% cash back on ALL purchases
  • No Cash Back Limit Cap

Disclosures

PLATINUM 

CREDIT WHERE CREDIT IS DUE

If you know you’ll maintain a balance on your credit card, you’ll want one with a low rate. Pearl Hawaii’s Platinum card is the way to go.

OFFERS

  • 6 Month Intro Rate of 2.022% APR*
  • 0% on Balance Transfers for 6 Months*

Disclosures

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.

Disclosures

  • 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.

  • A |  For a complete list of our fees, please visit our Schedule of Fees.
    A| We apologize for the inconvenience. Please call 808.737.4328 (73-PHFCU) or 1-866-605-6177 for assistance.
    A| We apologize for the inconvenience. Please call 808.737.4328 (73-PHFCU) or 1-866-605-6177 for assistance.
    A | To report your debit or credit card lost or stolen, please call 808.737.4328 (73-PHFCU), option 2.
    A | To turn your card On or Off, please download our Pearl Wallet app. Our free app lets you manage your card from anywhere. In addition to turning your card on and off, you can set spending limits and even make custom alerts based on things like geographic location.
    A | To get pending debit card information, log in with PHFCUOnline on a desktop or our mobile app and review your checking transaction history. Your pending transactions will be listed as the most current transactions in your transaction history and will be identified as Pending. For both Debit and Credit Cards, you can view up-to-date transactions with Pearl Wallet.
    A | To change the PIN, please call us at 808.737.4328, Option 2.
    A | To activate your card or select your PIN, please call 808.737.4328 (73-PHFCU) and select Option 2.
    A | Please immediately call 808-73-PHFCU (808-737-4328) and select Option 2. We will assist you with this immediately.

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.