Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Hawaii State Visa Signature Cash Rewards Credit Card review

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.
No reviews yet. Write a review

Up to 2%

Cash back

$0

Annual fee

10.65% to 12.65%

Purchase APR (variable)

670

Recommended credit score

Details

Annual fee$0
Welcome Offer2% cash back for the first 90 days, then 1%
Rewards1% cash back
Purchase APR10.65% to 12.65% variable
Balance transfer APR10.65% to 12.65% variable
Recommended minimum credit score670
IssuerVisa
Avatar

Review by


Kliment Dukovski is a credit cards and investments 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.

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.

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.

Compare cashback rewards credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Preferred® Card from American Express
Up to $350: 20% back on Amazon.com purchases in the first 6 months for up to $200 back, plus $150 statement credit after you spend $3,000 in the first 6 months
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases (redeem as statement credit)
$0 intro annual fee for the first year ($95 thereafter)
Earn up to $350. In your first 6 months, you can earn a $150 statement credit when you spend $3,000, and earn 20% back on Amazon purchases made with your card, up to $200 total. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
Blue Cash Everyday® Card from American Express
Up to $250: 20% back on Amazon.com purchases in the first 6 months for up to $150 back, plus $100 statement credit after spending $2,000 within the first 6 months
3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and select US department stores and 1% on all other purchases (redeem as statement credit)
$0
Earn up to $250. You'll get 20% back on Amazon.com purchases in the first six months for up to $150 back, and $100 after you spend $2,000 in the first six months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees
Citi Custom Cash℠ Card
$200 cash back after spending $750 in the first 3 months. Fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back
5% cash back on purchases in your top eligible spend category each billing cycle on up to the first $500 spent, then 1% cash back thereafter and on all other purchases
$0
A new cashback card that automatically awards 5% to your highest eligible spending category each billing cycle, on up to $500 (then 1%).
loading

Compare up to 4 providers

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

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.
Go to site