This is the card that puts money into your pocket. Earn cash back on every purchase you make at retailers you already visit.
Earn Cash Back
1% cash rewards on purchases after your first 90 days.
No Annual Fee
This card comes with all the perks and no fees.
Low Annual Percentage Rate1
Shop with confidence, knowing your payments will be affordable.
No Cash Advance Fees
Get quick cash without the unnecessary fees.
No Foreign Transaction Fees
Save on extra charges when traveling abroad.
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.
Current Variable Index Rate**
Current Variable Index Rate**
15.15% to 17.15% APR
Ready to Apply for a Visa® Signature Cash Rewards Credit Card?
Start earning 2% Cash Back on Every Purchase for 90 days2.
Schedule an appointment online at one of our branches if you need further assistance.Schedule an Appointment
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
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 Help Managing Your Money
Hawaii State FCU is collaborating with GreenPath Financial Wellness to offer you free individualized counseling, guidance, and the resources to be financially healthy.
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 Hawaii State FCU Mobile App and follow the enrollment instructions.
Set and manage travel notifications using the integrated Credit Card Controls in our new Digital Banking platform. 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 Mobile 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.
- Digital 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 Visa® Signature Cash Rewards Credit Card?
Start your online application
Schedule an appointment online at one of our branches.
1. The variable APR for Purchases, Balance Transfers and Cash Advances for the Signature Cash Rewards card is 14.90% to 16.90%, when you open your Account, based on your creditworthiness. The APRs are current as of 1/7/2023 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%). Cash Rewards are based on net purchases. Minimum credit line is $5,000 for the Signature Cash Rewards card. Certain terms and conditions apply. Membership in Hawaii State Federal Credit Union is required.
2. Offer subject to credit approval. Earn 2% cash back for the first 90 days on all net purchases. After that, a 1% cash back reward will apply to net purchases.