Share Secured Visa® Platinum Rewards Credit Card
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Good credit is earned. With a Share Secured Visa® Platinum Rewards Credit Card you can establish your good credit, or re-establish your overall credit one purchase at a time.
No Cash Advance Fees
Get quick cash without the costly fees.
No Annual Fee
This card comes with all the perks at no added cost.
No Foreign Transaction Fees
Save on extra charges when traveling abroad.
Low Annual Percentage Rate1
Shop with confidence, knowing your payments will be affordable.
Accepted Worldwide
Buy what you need when you need it anywhere Visa® is accepted.
Safety and Security
Thanks to EMV chip technology and Visa®’s legendary fraud protection.
Build Credit
You’ll be building your credit with every purchase and on-time payment.
Ready to apply for your Share Secured Visa® Credit Card?
Start your online application
Stop by one of our branches
Contact us
Design Your Own Credit Card
Show off your favorite photo every time you use your Hawaii State FCU Visa® Credit Card. Simply add an image and share your unique personality2.
To get started, log in to Online Banking and go to “Credit Card” account summary and then click “Design Your Own Card.”
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Terms |
Current Variable Index Rate** |
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Terms Revolving |
Current Variable Index Rate** 18.00% APR |
Need a little extra help managing your finances?
Understand How to Manage Your Debt
Financing what you need with a credit card can be a smart way to manage your money. However, those cards can get you into trouble if you don’t carefully monitor every expense. Learn all about how to control your credit cards before they control you with this short eLearning module.
Get Help Managing Your Money
We’ve partnered with Money Management International, the largest nonprofit, full-service credit counseling agency in the United States, to bring you free financial counseling and debt management.
Credit Card App
The Hawaii State FCU Credit Card App allows for on-the-go credit card management that’s fast and easy while keeping you up to date on your transactions. Access is secure and protected by multi-factor authentication. No personal information is stored on your device.
- View recent and pending transactions.
- View next payment amount and due date.
- Make a payment to your card.
- Report a card lost or stolen.
Download the Credit Card App3
CardLock App
The CardLock App is a convenient way to take control of your credit card and stop fraud in its track. If you misplace your card, you can use the app to turn the card off. Then turn it back on again when you’ve found it.
- Turn your card on and off.
- Set purchase transaction threshold amounts.
- Set up transaction and fraud alerts.
- Set up account alerts.
Download the CardLock App3
Credit Card Transaction Alerts
Keep track of your credit card with free transaction alerts via text message or e-mail. Alerts include:
- Declined transactions.
- Transactions over the phone, online or through the mail.
- Transactions made at gas stations.
- Transactions exceeding a specific dollar amount.
- Transactions made outside of the U.S.
To take advantage of this great benefit, log in to the Credit Card section of your Hawaii State FCU Online Banking account, click the Credit Card Alerts banner and follow the enrollment instructions.
Travel Notifications
If you’re planning a trip and want to use your Hawaii State FCU credit card, contact us so we can keep your card from temporarily being blocked. You’ll need to provide your card numbers, countries being visited, date of travel, as well as your contact information.
Credit Card Payment Options
- Online Banking gives you 24/7 access to your credit cards where you can view transactions and statements and make payments.
- Autopay allows you to make automatic payments toward your statement balance, a set (recurring) amount or the minimum payment due on your credit card.
- Text Alerts keep you updated about your account and money.
- Payments by Phone are available through our Member Service Call Center at Oahu: (808) 587-2700 or Toll-free: 1 (888) 586-1056. Or you can call Visa® Cardholder Services at 1 (800) 654-7728 to make a real-time payment from another financial institution. Please note: there is a Pay by Phone fee of $5.00 when paying through Visa® Cardholder Services.
- Pay via the Hawaii State FCU Credit Card App to make payments conveniently from the palm of your hand.
Calculators to help you save and spend smart
Ready to apply for your Share Secured Visa® Credit Card?
Start your online application
Stop by one of our branches
Contact us
1. The variable APR for Purchases, Balance Transfers and Cash Advances for the Platinum Rewards card is 11.40% to 18.00%, when you open your Account, based on your creditworthiness. The APRs are current as of 2/5/2019 and will vary with the market based on the U.S. Prime Rate. Rates are subject to change at any time without prior notice. We will not charge an APR greater than the maximum that we are permitted to charge by law (currently 18.0%). Rewards Points are based on net purchases. Minimum credit line is $500 for the Platinum Rewards card. Certain terms and conditions apply. Membership in Hawaii State Federal Credit Union is required.
2. The first “Design Your Own Card” is complimentary. Thereafter, the fee for “Design Your Own Card” service is $9.95 per card. This feature is available 60 days after your card is issued.
3. Available only for Android™, iPhone® and iPad® devices. iPhone® and iPad® is a trademark of Apple® Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc. Standard messaging and data usage fees apply. Please contact your carrier for details.