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Hawaii State Visa Platinum Rewards Credit Card review

A no-annual-fee credit card with rewards on all purchases.

  • Get this card if you are a Hawaii State FCU member who wants to earn rewards points on all purchases.
  • Pick something else if you want a higher rewards rate.
  • Apply with a good to an excellent credit score of 670 or higher.

1x points on all purchases



Annual fee

10.65% to 17.15% variable

Purchase APR


Minimum Credit Score


Annual fee$0
Welcome offer5,000 points after spending $1,000 in the first 90 days
Rewards1x points on all purchases
Purchase APR10.65% to 17.15% variable
Balance transfer APR10.65% to 17.15% variable
Minimum Credit Score670

Review by

Kliment Dukovski is an investments writer who has written over 600 articles to help readers find and compare the best financial options. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The Hawaii State Visa Platinum Rewards Credit Card is a simple card for Hawaii State FCU members. Though the rewards rate is subpar compared to similar non-credit union cards, it doesn’t come with many of the common fees other cards usually have.

How to apply for the Hawaii State Visa Platinum Rewards Credit Card

You must be a Hawaii resident and a member of the Hawaii State Federal Credit Union before you apply for the card. And then:

  1. Visit the Hawaii State Federal Credit Union website and locate the card.
  2. Click Apply now.
  3. Log in to your online banking account.
  4. Fill out the application form.
  5. Review the application form and submit.

What credit score do I need?

You’ll have a higher chance of approval with a good to an excellent credit score of 670 or higher.

Card benefits

  • Reward points.
    Earn 1x points on all of your purchases. This is below the industry standard as competitor cards offer 1.5x and 2x points on all purchases.
  • Signup bonus.
    Earn 5,000 bonus points after you spend $1,000 within your first 90 days of account opening.
  • Card design.
    Design your first credit card free. Pay $9.95 to design each card after that.
    No fees. Save money by not paying cash advance fees, balance transfer fees, foreign transaction fees and annual fees.

What to watch out for

  • No intro APR period.
    The card comes with relatively low APR, but you won’t get 0% intro APR on purchases or balance transfers. Compare 0% intro APR credit cards if you’re looking to save money on interest payments.
  • Limited information.
    Unfortunately, you won’t find detailed information on the rewards program or the card’s terms and conditions on the Hawaii State FCU website.

Compare credit cards with no fees

Name Product Annual fee Foreign transaction fee Filter values Balance transfer fee
Petal® 2
Build your credit with rewards and no fees: Apply if you're new to credit or have a fair to good score of 600 or higher. See if you prequalify with no impact to your score.
First Technology Federal Credit Union Platinum Rewards MasterCard®
Earn 10,000 points after spending $2,000 on purchases in the first 60 days from account opening.
Navy Federal More Rewards American Express® Card
Earn 25,000 points after spending $3,000 in the first 90 days from account opening.

Compare up to 4 providers

Bottom line

If you’re a Hawaii State FCU member looking to earn rewards on every credit card purchase, the Hawaii State Visa Platinum Rewards Credit Card could be worth considering.

But if you want to earn accelerated rewards or get a 0% intro APR period, compare other credit cards until you find the right fit for your wallet.

Frequently asked questions

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