Tips For Smart Black Friday Shopping
Whether you’re planning to shop in store or online, these Black Friday shopping tips will help make sure that you get the most out of your holiday budget.
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 12.99 APR*
No Annual Or Balance
Transfer Fees
Card Options Designed For
Your Lifestyle
Pay With Your Phone Using
Your Digital Wallet
Balance Transfer Special Offer
Balance Transfer Special Offer
say goodbye
to your
credit card debt
as low as 4.99% APR*
on transfers for 12 months*
$0 balance transfer fee
*As low as 4.99% APR promo rate applies to balance transfers of $500 or more to an Honor Credit Union Credit Card from a non-Honor Credit Union credit card. Purchases and cash advances excluded. Balance transfers must be completed by March 31, 2023. Promotional rate is valid for 12 billing cycles from posting date of first transfer, after which the introductory period ends, the standard purchase APR applies. Standard variable APR ranges from Prime Rate + 5.24% to 25.00%, based on your creditworthiness and other factors. The annual percentage rate (APR) will vary with the market based on the current Prime Rate. New and current cardholders eligible. Existing credit card balances held at Honor CU cannot be refinanced to the promotional rate. Credit card approval depends on creditworthiness and other qualifications. Rates, terms and conditions are subject to change without notice. Insured by NCUA.
Compare Credit Cards
Rates
Annual Percentage Rate (APR) for purchases, cash advances, and balance transfers
AS LOW AS
12.99% 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
Rates
Annual Percentage Rate (APR) for purchases, cash advances, and balance transfers
AS LOW AS
16.99% APR*
Rewards Program
- Earn 2 reward points for every $1 spent
- Redeem reward points for 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.
**Transactions associated with gambling, sports betting and/or gaming purchases not eligible to accrue reward points.
How To Redeem Select Rewards Points
Our 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!
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
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
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 be an Honor member
- Must have an Honor Select or Select Rewards credit card
- Must know the balance of the credit card(s) you want to transfer
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.
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
- CU*Talk Voice Banking: 866.267.4348
- Credit Card Activation: 833.933.1681
- Lost or Stolen Credit Card: 833.933.1681
- Out of the Country Lost or Stolen Card*: 833.933.1681
*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.
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
- Reload your card at any member center, or online at www.cumoney.com*
- 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
*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.
5 Best Practices To Protect Yourself From Fraud
Learn what information you shouldn’t give out, how to set up card fraud alerts, how to avoid suspicious links and files, and more
4 Ways To Boost Your Credit Score
Learn how to boost your credit score by doing simple things like paying bills on time and more!
5 Things To Know When Getting A Credit Card
Learn the difference between standard, secured and rewards credit cards, how interest accrues, and more.
Credit Card FAQs
Via The Honor App
Viewing and redeeming points through the Honor App is simple and easy!
- Log in to your Honor account on the Honor app
- Tap your Select Rewards account
- Tap “Redeem Points” and follow the prompts on the screen
- 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 Note: Transactions associated with gambling, sports betting and/or gaming purchases not eligible to accrue reward points.
Please call us at 800.442.2800.
Stop by any local Honor member center 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.
