International Payment Brand from Japan

Marukai JCB Card (Hawaii)

Great Cash Back Reward with Shopping at Marukai

You can earn up to 3% cash back on all your purchases at any Marukai.
Are you a current Marukai JCB cardmember and want more opportunities to earn Cash Back Points?
Upgrade to the Marukai Premium JCB Card today!


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 at Marukai and 1% Cash Back Points everywhere else you use your card.


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.


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 (fee varies by state)


Earn up to 3% Cash Back Points!

Point Calculation

Purchases at Marukai stores

Earn up to 3% Cash Back Points on all new purchases at any Marukai store. For every $100.00 in purchases at any Marukai store in a statement cycle period, you will earn 3 JCB Cash Back Points, which is a $3.00 cash value. Merchant tenants in Marukai stores are excluded.

Total Purchase Amount Points Value
$0.00 – $99.99 0 $0.00
$100 – $199.99 3 $3.00
$200 – $299.99 6 $6.00
$300 – $399.99 9 $9.00
$400 – $499.99 12 $12.00

Purchases at other stores
Earn up to 1% Cash Back Points on all your purchases at any other merchant that accepts the JCB Card. For every $100.00 in purchases any merchant other than a Marukai store in one a statement cycle period, you will earn 1 JCB Cash Back Point, which is a $1.00 cash value.

Total Purchase Amount Points Value
$0.00 – $99.99 0 $0.00
$100 – $199.99 1 $1.00
$200 – $299.99 2 $2.00
$300 – $399.99 3 $3.00
$400 – $499.99 4 $4.00

Point Information

JCB Cash Back Points will appear on your monthly billing statement. For JCB Cash Back Points that you are entitled to redeem, please refer to the “NEW TOTAL EARNED” and “PRIOR YEAR’S” sections of your statement as shown below:


“THIS MONTH” equals the sum of Marukai Points earned and other earned points.


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.

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

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.

California and Nevada APR will not exceed 18.0%. Oregon and Washington APR will not exceed 12.0%.
†† Late payment fees will be $0.00 for Oregon or Washington residents; up to $10.00 for California residents; up to $15.00 for Nevada residents. Returned check fees will be $0.00 for California, Oregon, or Washington residents; up to $15.00 for Nevada residents.

Two Memberships in One

The Marukai JCB Card eliminates the need to carry two separate cards. Your Marukai JCB Card has your Marukai membership built in. For your convenience, the renewal fee for your Marukai membership will be charged automatically to your Marukai JCB Card account on the anniversary date of your Marukai 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

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.