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.
Up to 2%
10.65% to 12.65%
Purchase APR (variable)
Recommended credit score
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.
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:
- Visit the Hawaii State Federal Credit Union website and locate the card.
- Click Apply now.
- Log in to your online banking account.
- Fill out the application form.
- 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.
- 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
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.