International Payment Brand from Japan

Marukai Premium JCB Card (Hawaii)

Spend more, get more money back!

Marukai (Hawaii) and JCB have created a premium credit card program that provides more Cash Back Points
Get up to 3% Cash Back Points on all your purchases everywhere you use your card including Marukai.
Earn up to an additional $50 Bonus Cash Back!


Cash Back

Earn up to 3% Cash Back Points and an additional bonus of up to $50
Earn up to 3% Cash Back Points on all purchases including spending at Marukai with no limit on how much you can earn.


Rates

Purchase APR 14.15%
Balance Transfer APR 14.15%
Cash Advance APR 14.15%

APR varies with the market based on the Prime Rate.


Annual Fee

No annual fee for the first year. $15.00 annual fee beginning the second year.


Marukai Membership Fee

No Marukai membership fee for the first year. $10.00 annual Marukai membership fee beginning the second year.
For more information about the Marukai membership program, please click here or contact your nearest Marukai.


Other Fees

Cash and Check Advance
(including Balance Transfers)
Either $2 or 2% of the amount of each cash of check advance (including balance transfers), whichever is greater.
Foreign Transaction Fee 1.1% on each transaction before conversion to U.S. dollars.


Penalty Fees

Late Payment Fee Up to $15.00 (fee varies by state)
Over-the-Credit-Limit Fee $0.00
Returned Check Fee Up to $15.00


Earn up to 3% Cash Back Points!

Earn up to 3% Cash Back Points on all purchases including spending at Marukai.
No limit on how much you can earn.

  • Earn up to 1% Cash Back Points on first $1,000 spent yearly
  • Earn up to 2% Cash Back Points on next $2,000 spent yearly
  • Earn up to 3% Cash Back Points on over $3,000 spent yearly

Earn up to an additional $50 Bonus††

  • Earn an additional $15 bonus when you spend $1,000 or more yearly

OR

  • An additional $50 bonus when you spend $5,000 or more yearly

Cash Back Point Calculation Sample



Cash Back Points are calculated on every $100 purchased. JCB Cash Back Points earned in one calendar year expire at the end of the following calendar year. A minimum of 10 JCB Cash Back Points must be earned for redemption. To redeem your Cash Back Points, call JCB Cardmember Services and a credit for the redeemed point value will be posted on your account. Rebate requests for closed or past due status accounts will not be processed. JCB Cash Back Points do not apply to cash advances, check advances, annual fees, and other fees. Point redemption is subject to change. Other options for Cash Back Point redemption may be offered.

††You will receive 15 or 50 Cash Back Points with this bonus offer, which can be redeemed for $15.00 or $50.00 cash back.

Interest Rates and Interest Charge
Annual Percentage Rate (APR) for Purchases 14.15%
APR varies with the market based on the Prime Rate
APR for Cash and Check Advances (including Balance Transfers) 14.15%
APR varies with the market based on the Prime Rate
Paying Interest Your due date is at least 27 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash and check advances (including balance transfers) on the posted date.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Set-up and Maintenance Fees
Annual Fee NO ANNUAL FEE for the first year.
$15.00 annually beginning the second year.
Transaction Fees
Cash and Check Advance (including Balance Transfers) Either $2 or 2% of the amount of each cash or check advance (including balance transfers), whichever is greater.
Foreign Transactions 1.1% on each transaction before conversion to U.S. dollars.
Penalty Fees
Late Payment Up to $15.00
Over-the-Credit-Limit Fee $0.00
Returned Check Up to $15.00

How We Will Calculate Your Balance:

We use a method called “average daily balance (including new purchases)”.

The Prime Rate used to determine the APR is the rate published in The Wall Street Journal on September 12, 2017, which was 4.25%. The APR may change quarterly on the first day of the billing cycle beginning in April, July, October and January, based on the Prime Rate on the second Tuesday of March, June, September and December.

APR will not exceed 18.0%.

Two Memberships in One

The Marukai Premium JCB Card eliminates the need to carry two separate cards. Your Marukai Premium JCB Card has your Marukai membership built in. Additionally, you will not be charged for your Marukai membership for the first year after opening your Marukai Premium JCB Card account. For your convenience, the renewal fee for your Marukai membership will be charged automatically to your Marukai Premium JCB Card account on the anniversary date of your Marukai Premium JCB Card.


Travel Insurance

Air/Common Carrier Insurance coverage of up to $250,000 if you use your JCB Standard Card to purchase an airline ticket.
Lost Luggage Insurance coverage of up to $1,000 if you use your JCB Standard Card to purchase an airline ticket.


International Travel Assistance

As a Marukai Premium JCB Cardmember, you are entitled to receive concierge services at JCB Plaza Lounges and JCB Plazas worldwide. To make your travel easier, you can visit any of our 60 JCB Plaza Lounges and JCB Plazas worldwide for services including merchant listings, emergency card replacement, and reservations.


Worldwide Merchant Acceptance

In the U.S., the Marukai Premium JCB Card is accepted at over 7.3 million locations in the U.S. that accept the Discover® Card. The Marukai Premium JCB Card is also accepted at over 33 million locations in 190 countries and territories, including most major airlines, hotels, car rental agencies, and thousands of fine restaurants and retail stores.


Cardmember Service

A toll-free customer service line (1-800-366-4522) is available to handle your needs including balance inquiries, Cash Back Point redemptions, and lost card replacement 24 hours a day via our automated system. If you would prefer or need to speak with a JCB Cardmember Services Representative please contact JCB during our normal business hours Monday through Friday from 9:00 a.m. to 5:30 p.m. Pacific Time. For your convenience, services are available in both English and Japanese.


Convenient ATM Access

You can obtain cash with your Marukai Premium JCB Card 24 hours a day, 7 days a week at any ATM with the Cirrus logo using your personal identification number (PIN).


Marukai Store Locations

Marukai Wholesale Mart:
2310 Kamehameha Hwy., Honolulu, HI 96819

If you are a current Marukai JCB Card cardmember there is no need to re-apply.
Simply upgrade to the Marukai Premium JCB Card.

To Qualify:

  1. Must be U.S. citizen, permanent resident or valid visa holder
    AND
    Must be a resident of the state of California, Connecticut, Hawaii, Illinois, Nevada, New Jersey, New York, Oregon or Washington
  2. Must be 21 years old or older

How to Apply for the Marukai Premium JCB Card

You may download a PDF version of the JCB Standard Card application:

If you do not have Adobe Reader©, you can download it from Adobe

Complete the application and submit to:

JCB International Credit Card Co., Ltd.
Attn: Cardmember Services
800 West 6th Street, Suite 200
Los Angeles, CA 90017

You may pick up the Marukai Premium JCB Card application for new accounts at any Marukai store in California.
You may also contact Cardmember Services by phone at 1-800-366-4522 during our normal business hours Monday through Friday from 9:00 a.m. – 5:30 p.m. Pacific Time or by Contact Us to request an application to be mailed to you.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an Account such as your name, address, date of birth, and other information that will allow us to identify you. We may also ask for other identifying documents.

Fees for the Marukai Premium JCB Card differ from those of the Marukai JCB Card.
Please read and understand the differences prior to applying for an upgrade.

To Qualify for an Upgrade:

You must be a current Marukai JCB Card cardmember in good standing.

How to Apply for the Marukai Premium JCB Card Upgrade:

There are three easy ways to apply:
You may download a PDF version of the JCB Standard Card application:

If you do not have Adobe Reader©, you can download it from Adobe

Complete the upgrade application and submit to:

JCB International Credit Card Co., Ltd.
Attn: Cardmember Services
800 West 6th Street, Suite 200
Los Angeles, CA 90017

You may pick up the Marukai Premium JCB Card application for upgrade at any Marukai store.
You may also contact Cardmember Services by phone at 1-800-366-4522 during our normal business hours Monday through Friday from 9:00 a.m. – 5:30 p.m. Pacific Time or by Contact Us to request an application to be mailed to you.

Cash Back
Up to 3% plus an additional $50 Bonus Cash Back

Purchase APR
14.15%

Balance Transfer
APR
14.15%

Annual Fee
NO ANNUAL FEE for the first year.
$15.00 annual fee beginning the second year.

Marukai Membership Fee
NO MARUKAI MEMBERSHIP FEE for the first year.
$10.00 annual fee beginning the second year.