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  HawaiiUSA Federal Credit Union Life Matters Cash Back Visa Credit Card

HawaiiUSA Federal Credit Union Life Matters Cash Back Visa Credit Card

in Personal Credit Cards from HawaiiUSA Federal Credit Union

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HawaiiUSA Federal Credit Union Life Matters Cash Back Visa Credit Card

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in Personal Credit Cards from HawaiiUSA Federal Credit Union

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Highlights
Purchase APR  (Fixed APR) 8% - 16.90%
Balance Transfer APR  (Fixed APR) 8% - 16.90%
Credit Score Range 650 - 850
Annual Fee $0

HawaiiUSA Federal Credit Union Life Matters Cash Back Visa Credit Card Review

This is a cashback credit card issued by HawaiiUSA Federal Credit Union. If you're wondering whether HawaiiUSA Federal Credit Union Life Matters Cash Back Visa 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. HawaiiUSA Federal Credit Union Life Matters Cash Back Visa Credit Card has a fixed purchase APR that ranges from 8% 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 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.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, travel accident insurance, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of HawaiiUSA Federal Credit Union Life Matters Cash Back Visa Credit Card
The Good The Bad
  • a low rate and 1% unlimited cash back on eligible purchases.
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel accident insurance.
  • No foreign transaction fee.
  • HawaiiUSA Federal Credit Union Life Matters Cash Back Visa Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • You don't earn rewards on every purchase.
HawaiiUSA Federal Credit Union Life Matters Cash Back Visa Credit Card FAQ

Does HawaiiUSA Federal Credit Union Life Matters Cash Back Visa 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. This card features rewards for purchases in the following categories:

  • Groceries

What are the HawaiiUSA Federal Credit Union Life Matters Cash Back Visa Credit Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • Reports to major credit bureaus

What are the relevant APRs for HawaiiUSA Federal Credit Union Life Matters Cash Back Visa 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. It has lower than average regular APRs.

It has a fixed purchase APR that ranges from 8% up to 16.90%. The card has a fixed balance transfer APR that ranges from 8% up to 16.90%. It also has a fixed cash advance APR that ranges from 8% up to 16.90%.

Does HawaiiUSA Federal Credit Union Life Matters Cash Back Visa Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does HawaiiUSA Federal Credit Union Life Matters Cash Back Visa 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 HawaiiUSA Federal Credit Union Life Matters Cash Back Visa Credit Card?

The following fees apply:

HawaiiUSA Federal Credit Union Life Matters Cash Back Visa Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $25
Late Payment Fee up to $25

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

Does HawaiiUSA Federal Credit Union Life Matters Cash Back Visa 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 HawaiiUSA Federal Credit Union Life Matters Cash Back Visa Credit Card?

The HawaiiUSA Federal Credit Union Life Matters Cash Back Visa Credit Card customer service number is (800) 379-1300.

What is the support contact email for HawaiiUSA Federal Credit Union Life Matters Cash Back Visa Credit Card?

The support contact email for HawaiiUSA Federal Credit Union Life Matters Cash Back Visa Credit Card is contactus@hawaiiusafcu.com.

Does HawaiiUSA Federal Credit Union Life Matters Cash Back Visa Credit Card report your account activity to credit bureaus?

Yes, HawaiiUSA Federal Credit Union Life Matters Cash Back Visa 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 HawaiiUSA Federal Credit Union Life Matters Cash Back Visa Credit Card

  • Visit the HawaiiUSA Federal Credit Union Life Matters Cash Back Visa 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 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 1:00pm

About HawaiiUSA Federal Credit Union Life Matters Cash Back Visa Credit Card

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View all personal credit cards offered by HawaiiUSA Federal Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • 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
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $25
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Accident Insurance
No Reward Expiration Period
Rewards Categories
  • Groceries
Cash Advance APR (Fixed APR) 8% - 16.90%
Balance Computation a method called “average daily balance (including new transactions).”
Purchase APR (Fixed APR) 8% - 16.90%
Balance Transfer APR (Fixed APR) 8% - 16.90%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Cashback
Card Network Visa

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