Hawaii Central FCU Visa Platinum Cash Rewards Credit Card

Hawaii Central FCU Visa Platinum Cash Rewards Credit Card Review

This is a cashback card issued by Hawaii Central FCU. If you're wondering whether Hawaii Central FCU Visa Platinum Cash Rewards Credit Card is the right card for you, read on.

Key Takeaways

• Competitive APRs. Hawaii Central FCU Visa Platinum Cash Rewards Credit Card has a variable purchase APR that ranges from 8.9% up to 18%.
• No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
• $0 Balance transfer fee. This card does not charge a fee on balance transfers.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Hawaii Central FCU Visa Platinum Cash Rewards Credit Card

The Good	The Bad
Potentially lower than average purchase APRs. Has an introductory APR rate on balance transfers of 2.99%. No balance transfer fee. No annual fee. Travel assistance insurance No foreign transaction fee. Hawaii Central FCU Visa Platinum Cash Rewards Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus.

Hawaii Central FCU Visa Platinum Cash Rewards Credit Card FAQ

Does Hawaii Central FCU Visa Platinum Cash Rewards Credit Card have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

What are the Hawaii Central FCU Visa Platinum Cash Rewards Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Hawaii Central FCU Visa Platinum Cash Rewards Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Hawaii Central FCU Visa Platinum Cash Rewards Credit Card has a variable purchase APR that ranges from 8.9% up to 18%. The card has a variable balance transfer APR that ranges from 8.9% up to 18%. It also has a variable cash advance APR that ranges from 8.9% up to 18%.

The good news is this card does not charge a penalty APR if you are late on a payment.

What are the fees for Hawaii Central FCU Visa Platinum Cash Rewards Credit Card?

The following fees apply:

• There is no overlimit fee

Hawaii Central FCU Visa Platinum Cash Rewards Credit Card Fees

Description
Cash Advance Fee Minimum	$0
Cash Advance Fee (%)	0%
Minimum Cash Advance Fee ($)	$0
Foreign Currency Transaction Fee	0%
No Annual Fee?
No Foreign Transaction Fee?
Annual Fee	$0
Minimum Interest Charge	$0
Over-Limit Fee	$0
No Interest Grace Period for Late Payment	21 days
Returned Payment Fee	Up to $25
Late Fee Amount	Up to $20

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Hawaii Central FCU Visa Platinum Cash Rewards Credit Card report your account activity to credit bureaus?

Yes, Hawaii Central FCU Visa Platinum Cash Rewards Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Hawaii Central FCU Visa Platinum Cash Rewards Credit Card

• Visit the Hawaii Central FCU Visa Platinum Cash Rewards Credit Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.