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Credit Cards

Find the perfect card for your lifestyle.

Get industry-leading cash back, earn travel and merchandise points, or build credit with ease.
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One choice to make, all the perks included

Every Hawaii State FCU credit card comes packed with great benefits, easy management, and 24/7 support.

Always Cash Visa® Signature Rewards1

  • Earn 2.5% cash back with no categories or enrollments2
  • Redemptions available on demand via Digital Banking
  • Visa® Signature Benefits
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Visa Platinum Rewards card

Visa® Platinum Rewards3

  • Earn points good for merchandise, travel, and gift cards
  • Get 5,000 bonus points when you make $1,000 in purchases in the first 90 days
  • Redemptions via CU Rewards
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Visa Platinum Rewards card

Share Secured Visa® Platinum Rewards4

  • Build your credit with every purchase and on-time payment
  • Get 5,000 bonus points when you make $1,000 in purchases in the first 90 days
  • Low annual percentage rate4
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Disclosures

4. The Share Secured Platinum Rewards Credit Card has a variable APR of 18.00% for Purchases, Balance Transfers, and Cash Advances, based on creditworthiness at account opening. APRs are current as of 10/8/2025, adjust with the U.S. Prime Rate, and may change without notice. The APR will not exceed the maximum allowed by law, currently 18.0%. Rewards Points are earned on net purchases, and the card requires a minimum credit line of $500. Membership in Hawaii State Federal Credit Union is required, and terms apply.
1. The Always Cash Signature Rewards Credit Card offers a variable APR of 18.00% for Purchases, Balance Transfers, and Cash Advances, determined based on creditworthiness. The APRs are current as of 10/8/2025 and will vary with the U.S. Prime Rate. Rates are subject to change at any time without prior notice. The APR will not exceed the maximum permitted by law, which is currently 18.0%. Cash Rewards are earned based on net purchases, and the card comes with a minimum credit line of $5,000. Membership in Hawaii State Federal Credit Union is required, and certain terms and conditions apply.
2. Earn 2.50% cash back on net purchases up to $5,000 each billing cycle. After that, a 1.25% cash back will apply to additional net purchases.
3. The Platinum Rewards Credit Card has a variable APR of 14.65% to 18.00% for Purchases, Balance Transfers, and Cash Advances, determined by creditworthiness at account opening. The Share Secured Platinum Rewards Credit Card has a fixed APR of 18.00% for these transactions. APRs are current as of 10/8/2025, adjusting with the U.S. Prime Rate, and may change without notice. The APR will not exceed the maximum allowed by law, currently 18.0%. Rewards Points are earned on net purchases, and the Platinum Rewards Card requires a minimum credit line of $500. Membership in Hawaii State Federal Credit Union is required, and terms apply.

Not sure which card is right for you?

always-cash-card-1
Always Cash Visa® Signature Rewards
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Visa Platinum Rewards card
Visa® Platinum Rewards
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Visa Platinum Rewards card
Share Secured Visa® Platinum Rewards
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Discover your best loan rate—without affecting your credit.

Unlock personalized offers for auto loans, personal loans, and credit cards in just minutes. Knowing your buying power today can set you up for more savings tomorrow. Don’t wait—get started now!

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FAQs

Can a contactless purchase be made without my knowledge?

Your card has to be extremely close to the reader – typically between two and four centimeters and the retailer must have first entered the amount for you to approve.  The card reader cannot be activated by you simply passing by. 

Can I add my card to my phone wallet?

Yes! Simply log in to your Hawaii State FCU Mobile App and click the ‘Add to Wallet’ icon or manually input your card information into your Mobile Wallet for registration.

Can I balance transfer between cards?

Balance transfers are not permitted on internal HSFCU cards however, you may request a balance transfer from a non-HSFCU card with no balance transfer fee. This may be done via card services in online banking, visiting a branch or contacting Cardholder Services at (866-820-6821).

Can NortonLifeLock™ remove cardholders’ personal data from the dark web?

Unfortunately, no. The content on the dark web is not centralized and is owned by many different (usually anonymous) owners. Only the owner of the content can remove or modify the content.

Can you further explain the 2.50% and 1.25% Reward Structure?

Certainly! All net purchases, up to $5,000 every billing cycle, will earn our industry-leading 2.50% cash back rewards. Any amounts over $5,000 will earn rewards at 1.25% without affecting previous rewards you’ve already earned. Once your next billing cycle begins you will begin to earn 2.50% again up to another $5,000. This means you could earn 2.50% on up to $60,000 in purchases per year!

Spend Example: $6,000 in net purchases over one Billing Cycle

Spend Tier Earn Rate Cashback Earned
First $5,000 2.5% $5,000 x 2.50% = $125.00
$5,001 – $6,000 1.25% $1,000 x 1.25% = $12.50

How can cardholders be sure the personal data they enter for Dark Web Monitoring is not used or sold by NortonLifeLock™ employees?

Any personal data is encrypted. Only a few selected employees who undergo training on how to handle personal data can access it. These employees must provide their own unique credentials every time they access personal data and are subject to monitoring by our Information Security and Compliance team. See the NortonLifeLockTM Global Privacy Statement for additional details.

How do cardholders enroll? What information will they need to provide?

Visa Cardholders should visit www.cardbenefitidprotect.com and complete the eligibility verification. Once verified, cardholders will be redirected to the offer page on Norton.com where ID Navigator enrollment is available. Enrollment in ID Navigator will require first name, last name, SSN, date of birth, address, phone number, and email address.

How do I activate my new credit card?

You can activate your new credit card by calling 1-800-527-7728 or through the Hawaii State FCU Mobile App.

How do I make a payment to my credit card?

Making a payment to your credit card is easy, here are a few ways to do so:

  • Online: Log into Digital Banking or your Hawaii State FCU Mobile App.

    • Click on the card you wish to make a payment to

    • Click on Card Services

    • Click on Make a Payment

  • Phone: Contact the customer service number on the back of your credit card (fee may apply).

  • In-Person: Visit your nearest HSFCU Branch where an HSFCU team member can assist you.

  • Mail: Simply mail your payment in to one of the addresses below:

    • Credit Card Services
      P.O. Box 60510
      City of Industry, CA 91716

    • Hawaii State FCU
      P.O. Box 3072
      Honolulu, HI 96802

How do I redeem my cash back rewards?

Always Cash Rewards can be redeemed, on-demand, soon as they are available! It’s easy to redeem! Simply log on to Digital Banking, click on “redeem” within your card and choose one of the following methods:

  • Redeem immediately to one of your linked deposit Hawaii State FCU accounts.

  • Redeem for statement credit – generally applied within 3 business days.

If you are having trouble with online access, you may also call in at (808-587-2700) to request assistance with a redemption.

How does NortonLifeLock™ help cardholders who receive a Dark Web Monitoring notification?

Within the notifications, advice is provided on next steps they can take to help protect their personal data. When available, it will include links to additional resources. If cardholders have additional questions they can go to support.norton.com.

How does NortonLifeLock™ help if a cardholder’s personal data is leaked in a data breach?

Notifications are sent that provide best practices and suggested next steps they can take to help protect their personal data. Plus, they can visit support.norton.com.

How is the personal data cardholders enter for Dark Web Monitoring stored and managed? How do cardholders know their personal data shared with NortonLifeLock™ is secure?

Personal data is stored and managed by an advanced secure cloud database, which is encrypted and protected with multiple layers of security measures.

How long does it take to receive my card?

Your physical card should arrive within 7-10 days. However, generally within 2 days of your card being approved an option will appear in online banking to digitally add your card to your wallet! This means you can spend and start earning rewards before your physical card arrives.

If a cardholder receives an alert, what should they do next?

Each alert will include information about next steps. Specifics vary by type of alert.

Is tapping to pay secure?

Yes! Your contactless card uses the same secure encryption technology as standard EMV chip cards, but in a contactless method.  Each transaction is accompanied by security data that securely protects your payment information.

What are some common triggers for dark web, credit, and data breach notifications?

A cardholder’s personal information detected on the dark web, a hard credit check, or an update to a cardholder’s credit file are a few examples. Data breach notifications are sent regarding large data breaches that may impact consumers.

What is a contactless card?

Your Hawaii State FCU credit cards have an embedded microchip that provides stronger security and protection against fraud when you pay in-person.  This chip uses short-range wireless technology to make secure payments between a contactless card and a contactless-enabled checkout terminal. 

What should I do if my debit or credit card is lost or stolen?

If your debit or credit card is lost or stolen, or if you suspect fraud or identity theft, call us immediately for assistance. Our support lines are available 24/7.

Need additional assistance? You can schedule an appointment online for select services.

ID Navigator Powered by NortonLifeLock™

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

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Helping you reach your credit goals

Explore our learning center to build on your financial knowledge through our blog articles, webinars, and more.
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(808) 587-2700
1 (888) 586-1056
memberservices@hsfcu.com