The Pelican Credit Union is a personal credit card from Pelican Credit Union. The annual fee is No annual fee. The ongoing APR is 12.50% to 27.00%, 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) after a 0% APR on balance transfers for 12 months when you open a Pelican Points, Pelican Prime, or Pelican Premier Credit Card (Limited Time Special Offer) introductory rate for 12 months. Rewards: It's designed for members who want simple, reliable everyday credit without a rewards program or extra fees.. Typical credit limit: Credit limits go up to $50,000, depending on your creditworthiness at the time of approval..