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  HawaiiUSA Federal Credit Union Share Secured Visa Credit Card

HawaiiUSA Federal Credit Union Share Secured Visa Credit Card

in Personal Credit Cards from HawaiiUSA Federal Credit Union

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HawaiiUSA Federal Credit Union Share Secured 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) Up to 12.96%
Balance Transfer APR  (Fixed APR) N/A
Credit Score Range 500 - 850
Annual Fee $0

HawaiiUSA Federal Credit Union Share Secured Visa Credit Card Review

This is a secured credit card credit card issued by HawaiiUSA Federal Credit Union. If you're wondering whether HawaiiUSA Federal Credit Union Share Secured 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
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, travel accident insurance, and fraud protection.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.
Pros & Cons of HawaiiUSA Federal Credit Union Share Secured Visa Credit Card
The Good The Bad
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel accident insurance.
  • Considers applicants with fair or poor credit.
  • HawaiiUSA Federal Credit Union Share Secured Visa Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
HawaiiUSA Federal Credit Union Share Secured Visa Credit Card FAQ

Does HawaiiUSA Federal Credit Union Share Secured Visa Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the HawaiiUSA Federal Credit Union Share Secured 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 Share Secured Visa Credit Card?

It has a fixed purchase APR of up to 12.96%.

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

Does HawaiiUSA Federal Credit Union Share Secured 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 Share Secured 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 Share Secured Visa Credit Card?

The following fees apply:

HawaiiUSA Federal Credit Union Share Secured Visa Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $15
Late Payment Fee up to $35

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

Does HawaiiUSA Federal Credit Union Share Secured Visa Credit Card have a foreign transaction fee?

HawaiiUSA Federal Credit Union Share Secured Visa Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for HawaiiUSA Federal Credit Union Share Secured Visa Credit Card?

The HawaiiUSA Federal Credit Union Share Secured Visa Credit Card customer service number is (800) 379-1300.

Does HawaiiUSA Federal Credit Union Share Secured Visa Credit Card report your account activity to credit bureaus?

Yes, HawaiiUSA Federal Credit Union Share Secured 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 Share Secured Visa Credit Card

  • Visit the HawaiiUSA Federal Credit Union Share Secured 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 Share Secured 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
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $15
Paper Statement Fee $5
Additional Card Fee Amount $15
Late Fee Amount Up to $35
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 500 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Accident Insurance
Rewards Type No Rewards
Balance Computation a method called “average daily balance (including new purchases).”
Penalty APR (Fixed APR) 0%
Purchase APR (Fixed APR) Up to 12.96%
Card Type
  • Secured
  • Low Interest
Card Network Visa

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