Last Updated: 07/28/2025
Hawaii State FCU Platinum Rewards Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
14.90% - 18%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
14.90% - 18%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
650 - 850
Annual Fee
$0
Hawaii State FCU Platinum Rewards Credit Card Review
This is a rewards 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
- Welcome offer. Offers a signup bonus of 5000 points that can be redeemed for travel, gifts, or other perks.
- APRs: Hawaii State FCU Platinum Rewards Credit Card has a variable regular purchase APR that ranges from 14.90% up to 18%.
- 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 you have a fair credit score or better.
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.
| Description |
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 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?
Hawaii State FCU Platinum Rewards Credit Card 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Hawaii State FCU Platinum Rewards Credit Card has a variable purchase APR that ranges from 14.90% up to 18%. The card has a variable balance transfer APR that ranges from 14.90% up to 18%. It also has a variable cash advance APR that ranges from 14.90% up to 18%.
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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $28 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $28 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 customer service number for Hawaii State FCU Platinum Rewards Credit Card 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.
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 to the following credit bureaus:
- 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 build your credit.
Does Hawaii State Federal Credit Union perform a hard credit pull?
Yes, Hawaii State FCU Platinum Rewards Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Hawaii State FCU Platinum Rewards Credit Card
- Visit the website of Hawaii State FCU Platinum Rewards Credit Card.
- 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Hours of Operation
SundayClosedMonday8:00AM - 5:00PMTuesday8:00AM - 5:00PMWednesday8:00AM - 5:00PMThursday8:00AM - 5:00PMFriday8:00AM - 5:00PMSaturdayClosed
Other Services by Hawaii State Federal Credit Union
Other Credit Cards from Hawaii State Federal Credit Union
Rating not yet determined
Purchase APR
18%
Disclaimer popup with additional information
Balance Transfer APR
18%
Disclaimer popup with additional information
Credit Score Range
500 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
14.90% - 16.90%
Disclaimer popup with additional information
Balance Transfer APR
14.90% - 16.90%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$0
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