
Hawaii State FCU Platinum Rewards Credit Card
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Purchase APR (Variable APR) | 10.65% - 17.15% |
Balance Transfer APR (Variable APR) | 10.65% - 17.15% |
Credit Score Range | 650 - 850 |
Annual Fee | $0 |
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 $1,000 within 3 months that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. Hawaii State FCU Platinum Rewards Credit Card has a variable purchase APR that ranges from 10.65% up to 17.15%.
- No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Hawaii State FCU Platinum Rewards Credit Card
The Good | The Bad |
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Hawaii State FCU Platinum Rewards Credit Card FAQ
Does Hawaii State FCU Platinum Rewards Credit Card have a cash back or rewards program?
Hawaii State FCU Platinum Rewards Credit Card is a rewards card.
Rewards rate (all purchases) | N/A |
Max rewards rate | N/A |
Annual rewards limit | N/A |
Signup Bonus ($) | N/A |
Signup Bonus (Points/Miles) | 5000 |
Signup Bonus Spend Requirement | $1000 |
Signup Bonus Spend Period (months) | 3 months |
Does Hawaii State FCU Platinum Rewards Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 5000 points signup bonus after spending $1000 that can be redeemed for travel, gifts, or other perks.Does Hawaii State FCU Platinum Rewards Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.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.
Does Hawaii State FCU Platinum Rewards Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Hawaii State FCU Platinum Rewards Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Hawaii State FCU Platinum Rewards Credit Card?
The following fees apply:
- There is no overlimit fee
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 have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Hawaii State FCU Platinum Rewards Credit Card?
The Hawaii State FCU Platinum Rewards Credit Card customer service number is (888) 586-1056.
What is the support contact email for Hawaii State FCU Platinum Rewards Credit Card?
The support contact email for Hawaii State FCU Platinum Rewards Credit Card is memberservices@hsfcu.com.
What is the Hawaii State FCU Platinum Rewards Credit Card login page?
You can access the Hawaii State FCU Platinum Rewards Credit Card login page here.
How do people rate the customer service and user experience of Hawaii State FCU Platinum Rewards Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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.
Contact
- Headquarters
-
560 Halekauwila St
Honolulu, HI 96813 USA - (888) 586-1056
- Visit Site
- Email Support
About Hawaii State FCU Platinum Rewards Credit Card
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
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 | 25 days |
Returned Payment Fee | Up to $28 |
Paper Statement Fee | $5 |
Additional Card Fee Amount | $10 |
Late Fee Amount | Up to $28 |
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