Hawaii State FCU Visa Signature Credit Card

Hawaii State FCU Visa Signature Credit Card Review

This is a cashback 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.

Key Takeaways

• Competitive APRs. Hawaii State FCU Visa Signature Credit Card has a variable purchase APR that ranges from 14.90% up to 16.90%.
• 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.

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 14.90% up to 16.90%. The card has a variable balance transfer APR that ranges from 14.90% up to 16.90%. It also has a variable cash advance APR that ranges from 14.90% up to 16.90%.

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 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
Initial Program Fee	$
Foreign Transaction Fee	0%
Returned Payment Fee	Starting at $ up to $28
Late Payment Fee	Starting at 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 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.