Credit union · NCUA insured
Pearl Hawaii Credit Card Rates
Pearl Hawaii credit cards start at 9.74% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Pearl Hawaii’s credit card rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Pearl Hawaii has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Pearl Hawaii
9.74%APR
- Up to
- 18.00% APR
Platinum
Lowest rate
Hawaii Schools FCU
7.90%APR
- Up to
- —
2nd-lowest rate
Hawaiian Financial Federal Credit Union
8.90%APR
- Up to
- —
Pearl Hawaii credit card score
87
Credit card score
Higher than 78% of U.S. banks and credit unions
- Purchase APRPurchase APR9.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Pearl Hawaii ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Cash Back Platinum
Advertised rates are 'A' Tier loan rates in Multi-Tiered Loan Rate Program. Other rates and terms available. Borrower must be 18 years of age or older. May not be used for a business loan. Credit limit: Min $500, Max $30,000. Up to 2.00% cash back on all purchases, no cash back limit cap. No annual fees, set-up fee, program fee, participation fee, additional card fee, application fee, transaction fee for purchases, cash advance fee, or foreign transaction fee. Fixed rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | Fixed rate. Advertised rates are 'A' Tier loan rates in Multi-Tiered Loan Rate Program. Credit limit range $500 to $30,000. No annual fee. APR as low as 18.00%. |
Sources (1)
- pearlhawaii.com/loans/credit-cards · captured Oct 22, 2026
Platinum
Advertised rates are 'A' Tier loan rates in Multi-Tiered Loan Rate Program. Other rates and terms available. Borrower must be 18 years of age or older. May not be used for a business loan. Credit limit: Min $500, Max $20,000. No annual fees, set-up fee, program fee, participation fee, additional card fee, application fee, transaction fee for purchases, cash advance fee, or foreign transaction fee. Variable rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.74%–18.00% | None | Variable rate. Advertised rates are 'A' Tier loan rates in Multi-Tiered Loan Rate Program. Credit limit range $500 to $20,000. No annual fee. |
Sources (1)
- pearlhawaii.com/loans/credit-cards · captured Oct 22, 2026
Rewards Platinum
Advertised rates are 'A' Tier loan rates in Multi-Tiered Loan Rate Program. Other rates and terms available. Borrower must be 18 years of age or older. May not be used for a business loan. Credit limit: Min $500, Max $20,000. Rewards: 1 point per $1 spent, no cap on points earned. No annual fees, set-up fee, program fee, participation fee, additional card fee, application fee, transaction fee for purchases, cash advance fee, or foreign transaction fee. Variable rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.74%–18.00% | None | Variable rate. Advertised rates are 'A' Tier loan rates in Multi-Tiered Loan Rate Program. Credit limit range $500 to $20,000. No annual fee. |
Sources (1)
- pearlhawaii.com/loans/credit-cards · captured Oct 22, 2026
Secured
Cash deposit required to account first which determines credit limit (e.g. deposit $500, borrow up to $500). Advertised rates are 'A' Tier loan rates in Multi-Tiered Loan Rate Program. Other rates and terms available. Borrower must be 18 years of age or older. May not be used for a business loan. Credit limit: Min $500, Max $10,000. No annual fees, set-up fee, program fee, participation fee, additional card fee, application fee, transaction fee for purchases, cash advance fee, or foreign transaction fee. Fixed rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | Fixed rate. Cash deposit determines credit limit. Advertised rates are 'A' Tier loan rates in Multi-Tiered Loan Rate Program. Credit limit range $500 to $10,000. No annual fee. APR as low as 18.00%. |
Sources (1)
- pearlhawaii.com/loans/credit-cards · captured Oct 22, 2026
Who can join Pearl Hawaii
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school on O’ahu are eligible for membership.
Family and household
- Family members (spouse, child, parent, grandparent, grandchild, sibling, or related through a step, adoptive, or foster relationship) of someone who lives, works, worships, or attends school on O’ahu are eligible for membership.
- Household members of someone who lives, works, worships or attends school on O’ahu are eligible for membership.
Cost to join
- Opening an account requires $5.00.
Membership information collected October 4, 2026.