Visa® Signature Cash Rewards Credit Card

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Family of four.

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.

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.


Current Variable Index Rate**



Current Variable Index Rate**

9.65% to 11.65% 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
Hawaii State FCU Visa<sup>®</sup> Signature Card Consumer Credit Card Cash Rewards

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.

Design Your Own Credit Card

Show off your favorite photo every time you use your Hawaii State FCU Visa® Credit Card. For a limited time, it’s free to design your own card3.

To get started, log in to Online Banking and go to “Credit Card” account summary and then click “Design Your Own Card.”

Hawaii State FCU Card Consumer Custom Credit Card Cash Rewards

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.

Start this online course>>

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.

Visit Money 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.
  • Place a travel notification.
  • Report a card lost or stolen.

Download the Credit Card App4

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.

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 App4

Download the CardLock App on the App Store now. Get the CardLock App on Google Play now.

CardLock App Icon.

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 (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.
  • 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 Visa® Signature Cash Rewards Credit Card?

Start your online application

Apply now

Schedule an appointment online at one of our branches.

Schedule an Appointment

1. The variable APR for Purchases, Balance Transfers and Cash Advances for the Signature Cash Rewards card is 9.65% to 11.65%, when you open your Account, based on your creditworthiness. The APRs are current as of 4/7/2020 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.

3. 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.

4. 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. Please review the terms and conditions of use carefully. Such services and products are not obligations of, nor endorsed or guaranteed by, Hawaii State FCU nor the National Credit Union Share Insurance Fund. 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 or products. Alternative services and products may be obtained from other providers of your choice. External websites are not under our control and may have different policies and security. Using the links may identify you as a Hawaii State FCU member to the external website operator.

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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