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Hawaii State Visa Signature Cash Rewards Credit Card review

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A cashback credit card with a low APR and no fees.

  • 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.

Up to 2%

Cash back

$0

Annual fee

9.65% to 11.65%

Purchase APR (variable)

670

Recommended credit score

Details

Product NameHawaii State Visa Signature Cash Rewards Credit Card
Card typeVisa
Annual fee$0
Purchase APR9.65% to 11.65% variable
Balance transfer APR9.65% to 11.65% variable
Balance transfer feeNone
Cash advance rate9.65% to 11.65% variable
Cash advance feeNone
Foreign transaction feeNone

Expert review

Kliment Dukovski

Review by


Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. 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 Signature Cash Rewards Credit Card lets you earn flat cash back on everything you buy. While the cashback rate is lower than similar cards, the card comes with no fees and a low APR.

Card benefits

  • Cash back.
    Earn 2% cash back on all purchases for your first 90 days when you open your account and 1% cash back after that. This is subpar considering most similar credit cards offer 1.5% cash back on all purchases and some cards even offer 2% back for the life of the card.
  • Card design.
    Design your own credit card with a photo of your choice. This feature is free when used for the first time. After that, a $9.95 fee per card applies.
  • No fees.
    Save money on fees as the card has no cash advance fee, no balance transfer fees, no foreign transaction fees and no annual fees.

What to watch out for

  • No intro APR period.
    You get a relatively low APR, but there’s no 0% intro APR on purchases or balance transfers. If that’s what you’re looking for, compare 0% intro APR credit cards.
  • Limited information.
    You won’t find the card’s terms and conditions on the Hawaii State FCU website.

How to apply for the Hawaii State Visa Signature Cash Rewards Credit Card

You must be a Hawaii resident and a member of the Hawaii State Federal Credit Union first. 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?

Increase your chances of approval with a good to excellent credit score of 670 or higher.

Compare cashback rewards credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Chase Freedom Unlimited®
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% cash back at grocery stores on up to $12,000 in the first year, 5% on Lyft and 1.5% on all other purchases
$0
Earn a $200 signup bonus after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months to pay off transfers.
Costco Anywhere Visa® Card by Citi
N/A
4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases
$0
Earn valuable cash back on everyday purchases at gas stations, restaurants and Costco as well as eligible travel with no foreign fees.
Petal® Visa® Credit Card
N/A
Up to 10% cash back from select merchants, on other purchases earn 1% back, 1.25% after six on-time payments and 1.5% after 12 on-time payments
$0
Build your credit with rewards and no fees: Apply if you're new to credit or have a fair to good score.
TD Cash Credit Card
$150 after spending $500 in the first 90 days
3% on dining, 2% at grocery stores and 1% on all other eligible purchases
$0
3% on dining and 2% on groceries make this a valuable card for food purchases. Use it while traveling, too, with no foreign transaction fees. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
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Bottom line

If you’re a Hawaii State FCU member who wants to earn cash back on all purchases, the Hawaii State Visa Signature Cash Rewards Credit Card may be worth considering.

But before you apply, make sure to compare cashback credit cards to find the right fit for your financial needs.

Frequently asked questions

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