Credit Cards
Credit Where Credit is Due
Benefits of Pearl Hawaii’s Credit Cards
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.
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Always Low Rates
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No Annual Fees
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No Account Set-Up Fee
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No Program Fee
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No Participation Fee
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No Additional Card Fee
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No Application Fee
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No Transaction Fee for Purchases
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No Cash Advance Fee
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No Foreign Transaction Fee
Because It’s More than Just a Credit Card
Life Should Be Rewarding
Rewards Platinum
What’s better than credit 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
• 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

Let’s Give You Credit
Cash Back Platinum
There’s nothing better than cash if you want the flexibility to choose where to use the rewards you earn.
Rewards
• Up to 2.00% cash back on ALL purchases
• No Cash Back Limit Cap

Credit Where Credit Is Due
Platinum
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.

For All Kinds of Occasions
Mobile Pay
With mobile pay, you won’t have to worry again about when to insert your debit card and when to swipe it. Simply get signed up and pay with your phone. Whether you’re making a quick trip to the grocery store or heading out to a shopping spree, you’ll love the freedom to tap and go.

Credit Create | Have No or Minimal Credit? Let Us Help!
Our Credit Create suite gets you set up with a vehicle loan and credit card with no history needed. Additionally, you’ll also build credit along the way.
Our Credit Create suite gets you instantly set up with your very own checking and savings account, no history needed. You’ll also be eligible for one of our snazzy auto loans, as well as your own credit card.

We Believe in Second Chances
Secured
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.

Credit Cards | Rates
Cards** | Type | Min | Max | APR* As Low As | ||
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Platinum |
Variable |
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Apply | Request Increase |
Rewards Platinum |
Variable |
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Apply | Request Increase |
Cash Back Platinum |
Fixed |
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Apply | Request Increase |
Secured |
Fixed |
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Apply | Request Increase |
*Annual Percentage Rate (APR). The loan rates advertised are βAβ 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 Credit Card Disclosures for additional information:
Mastercard Application & Solicitation Disclosure
Mastercard Guide to Benefits
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A | The payment address is P.O. Box 60510, City of Industry, CA 91716-0510.
You can also pay through PHFCUOnline or visit any location.
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A | For a complete list of our fees, please visit our Schedule of Fees.
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A| We apologize for the inconvenience. Please call 808.737.4328 (73-PHFCU) or 1-866-605-6177 for assistance.
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A| We apologize for the inconvenience. Please call 808.737.4328 (73-PHFCU) or 1-866-605-6177 for assistance.
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A | To report your debit or credit card lost or stolen, please call 808.737.4328 (73-PHFCU), option 2.
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A | To turn your card On or Off, please download our mobile 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.
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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 card controls.
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A | To change the PIN, please call us at 808.737.4328, Option 2.
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A | To activate your card or select your PIN, please call 808.737.4328 (73-PHFCU) and select Option 2.
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A | Please immediately call 808-73-PHFCU (808-737-4328) and select Option 2. We will assist you with this immediately.
Upgrade You 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.
About | FAQs | Join | Jobs
Let’s Get Started
You can finish your car loan app right here online, from the comfort of your couch.
Card Controls
6/6/2024
Card controls within our App and PHFCUOnlineΒ are currently undergoing maintenance to rectify a known issue.
Please call us at 808.737.4328 or send us a secured message within PHFCUOnlineΒ via chat or email so we can assist.
With Pearl Hawaiiβs app, cardholders can review their card transactions, set alerts, develop controls, make payments, report a card as lost or stolen, and add or remove the cards they wish to manage.
Credit Card Disclosures
Debt Protection
Debt Protection: Your Safeguard Against the Unexpected
Your family means everything to you. And if the unexpected happens, you don’t want an emotionally trying situation to be compounded by financial worry. That’s why there’s Debt Protection, which may cancel an existing loan balance or payments if the unexpected were to happen.
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Easy - Simple to apply for.
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Budget-Friendly - Comfortably fits into your monthly payment.
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Voluntary - Adding it to your loan is voluntary and won't affect your loan approval.
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Puts You at Ease - Rest easy, knowing you could be taken care of in so many problem situations.
Financial Protection for The Unexpected
Protect the ones that matter most. Debt Protection with Life Plus could help your family’s financial situation against a variety of covered life events: Involuntary Unemployment, Disability, Death.
For additional protections, Life Plus can extend your Debt Protection program to address a wide range of circumstances, giving you the reassurance of knowing you’ve taken steps to help secure your finances. For example, accidental dismemberment, terminal illness, hospitalization or family medical leave, death of a non-protected dependent.
Debt Protection can cancel your eligible loan balance or your monthly loan payments, up to the agreement maximum, should you die from a protected illness or injury before paying off your loan.
When Debt Protection may cancel your loan balance or payments | What Happens | It Cancels | Eligibility |
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Involuntary Unemployment |
A covered job loss occurs |
Your loan payments |
Are a permanent employee who is actively working* |
Disability |
A covered disability occurs due to injury or illness |
Your loan payments |
Are a permanent employee who is actively working* |
Loss of Life |
Protected borrower passes away |
Your loan balance or payments |
Have an eligible loan |
CUNA Mutual Group, Proprietary Data. 2Contract Terms and Maximums apply. The maximum benefit will reduce to 25% of the protected loan balance once a member reaches a certain age. 3One occurrence per rolling 12 months for all events. Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. *Refer to the Member Agreement for complete terms. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.
DP-3414687.1-0121-0423 CUNA Mutual Group Β©2021, All Rights Reserved.
Let Your Dreams Go On and On – Even when Your Income Doesn’t
You can count on Debt Protection to step in when you and your family need help the most. Pearl Hawaii Federal Credit Union has several options available. Please visit any location or call 808-737-4328 (73-PHFCU) for more information.
Loan Payments
Need to make a Loan Payment?
There Are a Variety of Ways that You Can Make Your Loan Payment
Online
Log into PHFCUOnline and make a transfer into your loan. Easily, make payments by transferring funds from your savings or checking account to your loan accounts through Online and Mobile Banking. You can also set up automatic monthly payments with ease so you wonβt have to keep track of due dates and your payments will always arrive on time.
Phone
Call us at 808.737.4328 and make a transfer or pay by Debit or Credit Card (Visa and MasterCard is accepted for a processing fee. You may not pay your Pearl Hawaii loan with a Pearl Hawaii Credit Card).
Send payments to Pearl Hawaii Federal Credit Union, 94-449 Ukee Street, Waipahu, Hawaii 96797.
Visit Us
Visit any Pearl Hawaii location or visit a Shared Branch location.
Automatic Loan Payments
Automatic Loan Payments
Automatic Loan Payments from PHFCU make saving time and money easy!
Don't Miss a Payment Again!
If you have a Pearl Hawaii Federal Credit Union loan or even a loan at another qualifying financial institution, you can sign-up for Automatic Loan Payments to ensure timely and safe payments.
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Make your monthly loan payments through payroll deduction or automatic transfer from your PHFCU checking or savings account.
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Set up Bill Pay on PHFCUOnline to make payments for loans at other institutions.
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Loan payments will be automatically deducted from the account you specify.
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Relax, knowing that your payment is received on time - no more late fees!
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Save money on stamps and envelopes
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Save time - forget about writing out checks and putting them in the mailbox
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Save on potential late fees - Automatic Loan Payments are always on time
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Manage your loan bills on “auto pilot”
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Protect your credit rating by ensuring prompt payments
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Rates effective as of: April 3, 2025
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Open Account
Leaving Our Website
By accessing this link, you will be leaving the Credit Union’s web site and entering a web site hosted by another party.
Although the Credit Union has approved this as a reliable partner site, please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of the Credit Union’s web site. The other party is solely responsible for the content of its web site.
We encourage you to read and evaluate the privacy and security policies on the site you are entering, which may be different than those of the Credit Union.
You will be leaving the credit union’s site.