The Pelican Credit Union is a personal credit card from Pelican Credit Union. The annual fee is No credit score required, no annual fee, and a first-year point match to give you a head start.. The ongoing APR is 15.00% to 20.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. (Purchases, balance transfers and cash advances; information accurate as of October 01, 2026). Approval typically requires a credit score of No Credit Score Required or higher. Signup bonus: Pelican matches every point you earn in your first year, up to 10,000 points.. Rewards: With our Student Points Credit Card, you earn 5x points on the following categories: DoorDash, Uber Eats, and food delivery; Uber and Lyft; Coffee shops and fast food; Entertainment and streaming services; Gaming purchases; Concert tickets. 5x points apply on qualifying merchant categories as determined by Pelican. All other purchases earn 1x. Maximum 30,000 points per month. 100 points = $1.00 cash back.. Typical credit limit: Credit Limits Up To $2,500.