Hawaii State FCU Platinum Rewards Credit Card

Hawaii State FCU Platinum Rewards Credit Card Review

This is a rewards credit card issued by Hawaii State Federal Credit Union. If you're wondering whether Hawaii State FCU Platinum Rewards Credit Card is the right card for you, read on.

Key Takeaways

• Signup bonus. Offers a signup bonus of 5000 points after spending $1,000 within 3 months that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. Hawaii State FCU Platinum Rewards Credit Card has a variable purchase APR that ranges from 10.65% up to 17.15%.
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• 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 State FCU Platinum Rewards Credit Card

The Good	The Bad
Potentially lower than average purchase APRs. No annual fee. No foreign transaction fee. Cardholders can earn rewards on their purchases. Hawaii State FCU Platinum Rewards Credit Card reports to multiple credit bureaus.	You don't earn rewards on every purchase. Does not include many credit card benefits.

Hawaii State FCU Platinum Rewards Credit Card FAQ

Does Hawaii State FCU Platinum Rewards Credit Card have a cash back or rewards program?

Hawaii State FCU Platinum Rewards Credit Card is a rewards card.

Hawaii State FCU Platinum Rewards Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A
Signup Bonus (Points/Miles)	5000
Signup Bonus Spend Requirement	$1000
Signup Bonus Spend Period (months)	3 months

What are the Hawaii State FCU Platinum Rewards Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Hawaii State FCU Platinum 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 State FCU Platinum Rewards Credit Card has a variable purchase APR that ranges from 10.65% up to 17.15%. The card has a variable balance transfer APR that ranges from 10.65% up to 17.15%. It also has a variable cash advance APR that ranges from 10.65% up to 17.15%.

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 State FCU Platinum Rewards Credit Card?

The following fees apply:

• There is no overlimit fee

Hawaii State FCU Platinum Rewards Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	up to $28
Late Payment Fee	up to $28

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

Does Hawaii State FCU Platinum Rewards Credit Card report your account activity to credit bureaus?

Yes, Hawaii State FCU Platinum 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 State FCU Platinum Rewards Credit Card

• Visit the Hawaii State FCU Platinum 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.