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
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 8.49% APR*
No Annual Or Balance
Transfer Fees
Card Options Designed For
Your Lifestyle
Pay With Your Phone Using
Your Digital Wallet
Compare Credit Cards
Rates
Annual Percentage Rate (APR) for purchases, cash advances, and balance transfers
AS LOW AS
8.49% 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
Rates
Annual Percentage Rate (APR) for purchases, cash advances, and balance transfers
AS LOW AS
12.49% APR*
Rewards Program
- Earn 2 reward points for every $1 spent
- Earn up to 2% cash back on purchases
- *NEW* Reward points can be redeemed through the Honor app with no additional login information
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.
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
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.
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.
5 Things To Know About Credit Card Balance Transfers
Learn how a credit card balance transfer works, what the benefits are, how to choose the right card for a balance transfer, and more!
Reloadable & Gift Cards
What do you get the person who has everything? A Visa Gift Card or a Reloadable VISA Travel Card might be the perfect simple gift you’re looking for. Our Visa Gift Cards are like a regular Visa 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.
VISA Gift Cards
- Enjoy the convenience of spending money when and where you want to
- Can be used anywhere Visa 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 Visa 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
* There is a $5.00 new card fee. Reloading and inactivity fees apply. See all fees on our Disclosures page.
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
- Voice Banking: 866.267.4348
- Card Activation: 866.619.0245
- General Card Support (including lost or stolen cards): 800.442.2800
- Lost or stolen card: 513.900.3005
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.
Credit Card FAQs
Via The Honor App
Viewing and redeeming points through the Honor App is simple and easy!
- Download or update (if needed) the Honor App on your Apple or Android mobile device.
- Under the “More” menu, click the “Select Rewards Dreampoints” option.
- Sign in using your Honor online banking credentials – no separate rewards login needed!
- It’s that easy. From here, redeem your earned points for cash back, travel, gift cards, experiences & much more!
Via Desktop Computers
- Login or Register your card at dreampoints.com/honorcu/
- Browse the available reward options
- Make your selections and complete the checkout process
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 866.678.5189
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. Here is 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.
