Credit
Cards

Low Rates & No Annual Fees

Finding the right credit card option can be complicated, from navigating interest rates to discovering hidden fees. Unlike big banks, we strive for a simple experience without all the fees. Whether you are looking for a credit card with rewards, or a card with a low rate to make it easier to pay off your balance, we’ve got you covered with an Honor Select or Select Rewards credit card!

Rates As
Low As 11.49% APR*

No Annual Or Balance
Transfer Fees

Card Options Designed For
Your Lifestyle

Pay With Your Phone Using
Your Digital Wallet

APPLY NOW

Compare Credit Cards

Select Credit Card

image of an honor credit union select credit card
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Rates

Annual Percentage Rate (APR) for purchases, cash advances, and balance transfers

AS LOW AS

11.49% APR*

Fees

  • No Annual Fee
  • No Cash Advance Fee
  • No Balance Transfer Fee

Features

  • Works with Apple Pay, Google Pay & Samsung Pay
  • Set up transaction alerts, turn card on/off, report card stolen in the Honor app
  • The ideal card for balance transfers

The Ideal Card For

  • Everyday spending
  • Building credit and improving your credit score
  • Members who carry a balance from month to month

Select Rewards Credit Card

image of an honor credit union select rewards credit card
Apply Now

Rates

Annual Percentage Rate (APR) for purchases, cash advances, and balance transfers

AS LOW AS

15.49% APR*

Rewards Program

  • Earn 2 reward points for every $1 spent - no limits or restrictions
  • Redeem reward points for things such 2% cash back, travel, gift cards, merchandise and more
  • Reward points can be redeemed through online banking or the Honor app

Features

  • No annual fee, cash advance fee, or balance transfer fee
  • Works with Apple Pay, Google Pay & Samsung Pay
  • Set up transaction alerts, turn card on/off, report card stolen in the Honor app

The Ideal Card For

  • Shoppers who are interested in earning reward points and cash back for their purchases
  • Everyday shopping
  • Members who typically pay off their balance each month

*APR = Annual Percentage Rate.

How To Redeem Select Rewards Points

Our new uChoose Rewards program offers our Select Rewards credit cardholders the best-in-class rewards options, including 2% cash back, travel, merchandise, gift cards, and much more!

Redeem Points

  IMPORTANT UPDATE

We have transitioned from ScoreCard Rewards to a new uChoose Rewards program. We are committed to making this transition as smooth as possible. Here is some important information to know:

  • You will have automatically begun earning points on the new uChoose system on Tuesday, September 27th.
  • To redeem points on this new system you will need to create an account. To create an account, click here.
  • Even though you began accruing points in the new system, you will not lose any existing points during this transition period!
  • You will still be able to access and redeem your existing points (all transactions posted through September 26th) through the ScoreCard system until the end of day on November 25th.
  • The Single Sign On feature through the Honor mobile app and online banking to access the old ScoreCard Rewards system will continue to be available until the end of day on November 25th.
  • After November 25th, access to the existing ScoreCard Reward Points portal will be removed, and all remaining reward points will be automatically transitioned to your new uChoose Rewards account in the month of December.
  • To access points in the ScoreCard Reward Points portal, click here.
  • September 26th – Reward points associated with transactions posted to your account through end of day on Monday, September 26th will continue to be reflected in the current ScoreCard Rewards system. These reward points will remain available for 60 days in the ScoreCard system, but more on that in a minute.
  • September 27th – Beginning on Tuesday, September 27th, all reward points earned from new card transactions will be posted to the new uChoose Rewards program.
  • November 25th – Access to the ScoreCard Rewards portal will be removed, including through our mobile app and all remaining points earned prior to September 27th and that were unredeemed on this date will be flooded over into the new uChoose Rewards system. This is your last day to redeem points within ScoreCard Rewards, but again, fear not as no points will be lost during this changeover process.
  • December 1st – We will begin to transition all remaining credit card reward points from ScoreCard Rewards to uChoose Rewards to ensure no points are lost during this changeover. We hope to transition all credit card reward points by January.

We know you’ll have questions, and to help answer as many of those that we can, we put together a document with answers to frequently asked questions.

  • If you still have questions, please give us a call or send us a text at 800.442.2800.

What To Know About Reward Points

  • You can access the uChoose Rewards system through the Honor app, online banking, or by clicking the button below
  • You will be required to create a uChoose Rewards account the first time you redeem points
  • Reward points can be redeemed for up to three years following the transaction date
Redeem Points

How To Register Your Card

Creating a uChoose Rewards account is simple! It’s an easy 3-step registration process and only takes a few minutes. You will need:

  • 16-Digit Card Number
  • Personal Information
  • Account Information
Create Account

Balance Transfer

Credit cards sure are easy to use, aren’t they? One day your balance is low and the next thing you know you have a higher balance than you remember spending! Whether it’s the result of a shopping spree, or a large transaction, we can help ease the burden of a high interest credit card with a simple balance transfer to an Honor credit card.

How It Works

We believe in a personalized approach at Honor Credit Union because everyone’s situation is different and we will guide you through the process of transferring your balances to an Honor credit card that suits your needs with a low interest rate so you can start knocking out those credit card balances.

What You Need To Know

  • Must have an Honor Select or Select Rewards credit card
  • Must know the balance of the credit card(s) you want to transfer
LEARN MORE

digital wallet

Shopping has never been easier with solutions like Apple Pay™, Google Pay™, and Samsung Pay™. There’s no reason to lug around a thick wallet or big purse with credit cards and debit cards. Simplify your life by making your purchases with the touch of your finger by connecting your Honor debit card to your phone today.

Add Your Card To Your Phone

  • Apple Pay – Use your eligible iPhone, Apple Watch, or iPad to conveniently make purchases at participating merchants.
  • Google Pay – Android users can use their phone to make payments at more than one million stores across the United States.
  • Samsung Pay – Members with eligible Samsung phones can make payments to earn reward points redeemable for instant-win opportunities and other deals.
LEARN MORE
honor credit union digital wallet

Card Support

We understand life happens in a hurry sometimes. In this section you will find helpful information about activating cards, international assistance, travel information, how to protect yourself from fraud, and much more!

Important Phone Numbers

*Collect calls accepted

Travel Information

  • If you’re planning an international trip, keep us informed by stopping by a member center or giving our Virtual Member Center a call at 800.442.2800 to let us know to expect transactions from your desired destination.
  • Beware of blocked and sanctioned countries. For a current list of these countries check out the Office of Foreign Asset Control (OFAC) of the US Department of Treasury’s list. If the country you are visiting is on this list, ALL card activity will be blocked per the requirement from OFAC. On occasion, Honor Credit Union may block countries in addition to those listed on the OFAC list, but should there be additional countries, they would be listed here. 

Fraud Protection

  • If you suspect fraud you can turn your card off instantly from within the Honor mobile app.
  • Honor debit and credit card holders are automatically enrolled in our free card protection program. Cardholders can sign up for additional free MasterCard fraud services.
  • If we suspect fraudulent activity, the transaction will likely be declined and your account will be blocked to prevent further harmful activity. We will attempt to notify you as quickly as 30 seconds after a suspicious transaction takes place.
More Fraud Info

Reloadable & Gift Cards

What do you get the person who has everything? A gift card or a Reloadable Travel Card might be the perfect simple gift you’re looking for. Our gift cards are like regular credit cards because they are accepted pretty much anywhere, and will be the one gift you know you won’t ever get returned! Stop by any local Honor member center to setup a reloadable card or to purchase a gift card.

Gift Cards

  • Enjoy the convenience of spending money when and where you want to
  • Can be used anywhere credit cards are accepted
  • Can be loaded in amounts from $10 to $1,000
  • Card will expire no sooner than five years from the date of issue

Reloadable Travel Cards

  • Can be used anywhere credit cards are accepted
  • Can be loaded in amounts of $100 to $5,000
  • 24/7 live operator support, lost and stolen card reporting services, and cardholder inquiry services
FIND A MEMBER CENTER

*Reloading and inactivity fees apply. See all fees on our Disclosures page.

Credit Card Resources

To better help you understand credit, and credit cards, we’ve put together some helpful blog posts about credit cards, spending habits, and balance transfers. 

Credit Card FAQs

Via The Honor App
Viewing and redeeming points through the Honor App is simple and easy!

screenshots of the honor mobile app

  1. Log in to your Honor account on the Honor app
  2. Tap your Select Rewards account
  3. Tap “Redeem Points” and follow the prompts on the screen
  4. It’s that easy. From here, redeem your earned points for cash back, travel, gift cards, experiences & much more!

We have flexible options like share secured cards to help you start building credit and we offer smaller limits to get you started.

A variable interest rate is an interest rate that fluctuates over time because it is based on an underlying benchmark (Prime) interest rate that changes periodically.

You can earn 2 points for every $1 you spend with your Select Rewards Credit Card. Rewards include cash back, statement credits, gift cards, experiences, merchandise, charitable donations and more! 

Please call us at 800.442.2800.

Stop by any local Honor branch or give us a call at 800.442.2800 to talk about your options.

Yes.  Just be aware of the following guidelines:

  • Simply give us a heads up before you leave by calling us at 800.442.2800 or stop by a local Honor member center so we know to expect transactions from your destination.
  • Beware of blocked and sanctioned countries. Click here for a current list of those countries from the Office of Foreign Asset Control (OFAC) of the US Department of Treasury. If the country you are visiting is on this list, ALL card activity will be blocked per the requirement from OFAC. On occasion, Honor Credit Union may block countries in addition to those listed on the OFAC list, but should there be additional countries, they would be listed here.
  • While debit and credit cards are accepted in most countries, MasterCard charges foreign currency conversion fees for purchases made with their credit and debit cards, in addition to ATM cash withdrawal fees.