All Hawaii State FCU branches will be closed on Monday, May 30, 2022 for Memorial Day. View normal branch hours. To schedule an appointment for select services online, click here.

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 contactless chip technology and Visa®’s legendary fraud protection.

Build Credit

You’ll be building your credit with every purchase and on-time payment.


Current Variable Index Rate**



Current Variable Index Rate**

17.40% APR

Ready to Apply for a Share Secured Visa®  Platinum Rewards Credit Card?

Start earning 5x the points! Get 5,000 bonus points when you make $1,000 in purchases in the first 90 days.

Schedule an appointment online at one of our branches if you need further assistance.

Schedule an Appointment
Rewards Visa<sup>®</sup> Platinum Rewards Credit Card

Explore Our Other Credit Cards

No matter if you’re looking for cash-back credit cards or a credit card with points, Hawaii State FCU has you covered. See our other credit cards.

ID Navigator Powered by NortonLifeLock

Hawaii State FCU Visa® Signature Cash Rewards and Visa® Platinum Rewards credit cards include ID Navigator Powered by NortonLifeLock, providing tools so you can act quickly if your identity is threatened.

Learn More
NortonLifeLock & VISA logos with image of a woman using her laptop and dog lying on a couch behind her

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.”

Design your own credit card

Need a little extra help managing your finances?

Managing Your Debt

Learn more about the types of debt, managing payments, and the cycle of collections in our free online courses. Register for a free account, sign in and start learning.

Get started >>

Get Help Managing Your Money

Hawaii State FCU wants to help equip you with the resources and education you need for a lifetime of financial wellness. Check out GreenPath Financial Wellness and Money Management International for financial counseling and debt management assistance.

Get the help you need >>

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.
  • Set up card controls and transaction alerts.
  • Place a travel notification.
  • Report a card lost or stolen.

Download the Credit Card App3

Download the Hawaii State FCU Credit Card App on the App Store now. Get the Hawaii State FCU Credit Card App on Google Play now.

New Hawaii State FCU Credit Card App Icon.

Credit Card Transaction Alerts & Controls

Keep track of your credit card with free transaction controls and alerts via text message or e-mail. Alerts include:

  • Turn your card on and off.
  • Set up customized transaction alerts including:
    • 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, install the HSFCU Credit Card App and follow the enrollment instructions.

Travel Notifications

Travel notifications can now be added using the Hawaii State FCU Online Banking or the Credit Card App. If you’re planning a trip outside of the country and want to use your Hawaii State FCU credit card, please add a travel notification using one of these tools or contact us so we can keep your card from temporarily being blocked.

Credit Card Payment Options

  • Pay via the Hawaii State FCU Credit Card App to make payments conveniently from the palm of your hand. Make payments using funds from your Hawaii State FCU account or from deposit accounts at other financial institutions.
  • Online Banking gives you 24/7 access to your credit cards where you can view transactions and statements and make payments by transferring funds from another Hawaii State FCU account.
  • Autopay allows you to set up automatic payments toward your statement balance, a set (recurring) amount or the minimum payment due on your credit card.
  • 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 (866) 820-6821 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.

Calculators to help you save and spend smart

Ready to apply for your Share Secured Visa® Credit Card?

Start your online application

Apply now

Schedule an appointment at one of our branches.

Schedule an appointment

1. The variable APR for Purchases, Balance Transfers and Cash Advances for the Platinum Rewards card is 10.90% to 17.40%, when you open your Account, based on your creditworthiness. The APRs are current as of 4/7/2022 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.

Third Party Site Disclaimer

We may provide links to external websites that refer to third party services and products available to Hawaii State FCU members, for enrollment in Hawaii State FCU financial education webinars, or other purposes. Please review the terms and conditions of use carefully. We do not make any express or implied representation or warranty to you concerning the quality, safety or suitability of external websites, or their services, products, or contents. External websites are not under our control and may have different security, privacy and other. Using the links may identify you as a Hawaii State FCU member to the external website operator.  Services and products from third parties are not obligations of, nor endorsed or guaranteed by, Hawaii State FCU nor the National Credit Union Share Insurance Fund.  Alternative services and products may be obtained from other providers of your choice.

Click “ACCEPT” to enter an external website. Click “Cancel” to return to HSFCU’s website.

Please remember to log off of Online Banking and Mobile Banking before going to any external website.

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