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  Hawaii State FCU Visa Signature Credit Card
Hawaii State FCU Visa Signature Credit Card Unaffiliated

Hawaii State FCU Visa Signature Credit Card

Unaffiliated
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Highlights
Purchase APR  (Variable APR) 10.65% - 12.65%
Balance Transfer APR  (Variable APR) 10.65% - 12.65%
Credit Score Range 680 - 850
Annual Fee $0

Hawaii State FCU Visa Signature Credit Card Review

This is a cashback credit card issued by Hawaii State Federal Credit Union. If you're wondering whether Hawaii State FCU Visa Signature Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways

  • Competitive APRs. Hawaii State FCU Visa Signature Credit Card has a variable purchase APR that ranges from 10.65% up to 12.65%.
  • 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.
  • 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.
  • Good or better credit required. You will have low approval odds if your credit score is below 680.

Pros & Cons of Hawaii State FCU Visa Signature Credit Card

The Good The Bad
  • A credit card that rewards you with 1% cash back for every purchase.
  • Earn 2% cash back for the first 90 days on all net purchases.
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • No foreign transaction fee.
  • Hawaii State FCU Visa Signature Credit Card reports to multiple credit bureaus.
  • You need good credit to qualify.
  • Does not offer a signup bonus.
  • Does not include many credit card benefits.

Hawaii State FCU Visa Signature Credit Card FAQ

Does Hawaii State FCU Visa Signature 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.

What are the Hawaii State FCU Visa Signature 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 Visa Signature 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 Visa Signature Credit Card has a variable purchase APR that ranges from 10.65% up to 12.65%. The card has a variable balance transfer APR that ranges from 10.65% up to 12.65%. It also has a variable cash advance APR that ranges from 10.65% up to 12.65%.

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

Does Hawaii State FCU Visa Signature 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 Visa Signature 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 Visa Signature Credit Card?

The following fees apply:

  • There is no overlimit fee
Hawaii State FCU Visa Signature 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 cashback card.

Does Hawaii State FCU Visa Signature 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 Visa Signature Credit Card?

The Hawaii State FCU Visa Signature Credit Card customer service number is (888) 586-1056.

What is the support contact email for Hawaii State FCU Visa Signature Credit Card?

The support contact email for Hawaii State FCU Visa Signature Credit Card is memberservices@hsfcu.com.

What is the Hawaii State FCU Visa Signature Credit Card login page?

You can access the Hawaii State FCU Visa Signature Credit Card login page here.

How do people rate the customer service and user experience of Hawaii State FCU Visa Signature Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Hawaii State FCU Visa Signature Credit Card report your account activity to credit bureaus?

Yes, Hawaii State FCU Visa Signature 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 Visa Signature Credit Card

  • Visit the Hawaii State FCU Visa Signature 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.

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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 5:00pm
  • Tuesday 8:00am - 5:00pm
  • Wednesday 8:00am - 5:00pm
  • Thursday 8:00am - 5:00pm
  • Friday 8:00am - 5:00pm
  • Saturday Closed

About Hawaii State FCU Visa Signature Credit Card

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View all credit cards offered by Hawaii State Federal Credit Union

Availability

  Available in 1 state
Hawaii
Availabile in all of Hawaii

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
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 680 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Rates
  • Every Purchase
Cash Advance APR (Variable APR) 10.65% - 12.65%
Balance Computation Average Daily Balance (including new transactions).
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 10.65% - 12.65%
Balance Transfer APR (Variable APR) 10.65% - 12.65%
Balance Transfer Fee % 0%
Card Type
  • Cashback
Card Network Visa

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