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Earn 2.5% cash back with the Always Cash Visa®

The industry-leading cash back reward card that’s always there for you.
Apply now
2.5 emoji

Always cash

Earn 2.5% cashback with no categories or enrollments¹

Always convenient

In your wallet, in your phone, with on-demand redemptions

Always right

No annual fees, cash advance fees, foreign transaction or balance transfer fees. Learn more.

Always secure

Set card alerts, travel notifications, lock or reissue your card instantly via online banking.

Disclosures
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1. Earn 2.50% cash back on net purchases up to $5,000 each billing cycle. After that, a 1.25% cash back will apply to additional net purchases. The variable APR for Purchases, Balance Transfers and Cash Advances for the Always Cash card is 18%, when you open your Account, based on your creditworthiness. The APRs are current as of 1/8/2025 and will vary with the market based on the U.S. Prime Rate. Rates are subject to change at any time without prior notice. We will not charge an APR greater than the maximum that we are permitted to charge by law (currently 18.0%). Cash Rewards are based on net purchases. Minimum credit line is $5,000 for the Always Cash card. Certain terms and conditions apply. Credit union membership required. Contact us for eligibility. Hawaii residency required for new accounts.

See why Always Cash is Always Right by You

We’ve traded categories so you can use this card on everything, everywhere.
CardMaximum potential non-category cashbackBonus CategoriesRedemption?
2.5%NoneOn Demand
First Hawaiian Bank Priority Unlimited2.0%NoneOnce Per Year
Hawaii USA Life Matters Premium2.0%NoneOnce Per Year
Citi Double Cash2.0%NoneOn Demand
Discover IT2.0%YesOn Demand
Chase Freedom Unlimited1.5%YesOn Demand
Comparison chart is for illustrative purposes only across other credit cards in market. See each issuer’s card details for full program details.
paying with the Always Cash Credit Card

Always there with Visa Signature® benefits whenever you use your card.

Count on built-in auto rental coverage

Save money by saying no at the counter – rent with your covered Hawaii State FCU Always Cash Visa Signature card and get built-in Auto Rental Coverage.

To learn more about this benefit or to file a claim, go to www.eclaimsline.com or call 1-800-348-8472. If you are outside the U.S., you can call collect: 1-804-673-1164.

See disclosures

Shop with confidence with built in Price Protection

If an item that you purchased with your covered Hawaii State FCU Always Cash Visa® Signature Rewards card appears in a print advertisement at a lower price, you can be reimbursed the difference. Keep in mind, certain items do not qualify for Price Protection. Read the Terms and Conditions for full details.

To learn more about this benefit or to file a claim, go to www.cardbenefitservices.com or call 1-800-535-7520. If you are outside the U.S., you can call collect at 1-303-967-1096.

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Protect your purchases from the unexpected

Safeguard your new item against theft or damage for the first 90 days from the date of purchase with Purchase Security, available when you pay for your item with your covered Hawaii State FCU Always Cash Visa Signature Rewards card.

To learn more about this benefit or to file a claim, go to www.cardbenefitservices.com or call the Benefit Administrator at 1-800-553-4820. If you are outside the U.S., you can call collect: 1-303-967-1096.

See disclosures

Enjoy a more flexible return policy

Use your covered Hawaii State FCU Always Cash Visa® Signature Rewards card and get extra return protection any time you make an eligible purchase of an item up to $250.00.

To learn more about this benefit or to file a claim, go to www.cardbenefitservices.com or call 1-888-565-8472. If you are outside the U.S., you can call collect at 1-303-967-1096.

See disclosures

Extend your product's warranties automatically

Add up to an additional year to your qualifying warranty with Extended Warranty Protection, available for purchases made with your covered Hawaii State FCU Always Cash Visa® Signature Rewards card.

Go to www.cardbenefitservices.com or call 1-800-551-8472 to file a claim or get your questions answered. If you are outside the U.S., you can call collect: 1-303-967-1096.

See disclosures

Protect your cell phone every time you pay your bill

When you pay your monthly wireless bill with your covered Hawaii State FCU Always Cash Visa® Signature Rewards card, your cell phone is protected for the next calendar month. So, you can be reimbursed if your cell phone is stolen or damaged.

To learn more about this benefit or to file a claim, go to www.cardbenefitservices.com or call the Benefit Administrator at 1-866-894-8569. If you are outside the U.S., you can call collect: 1-303-967-1096.

In order for coverage to apply, you must pay your monthly eligible cellular wireless bill with your covered Hawaii State FCU Always Cash Visa® Signature Rewards card.

See disclosures

FAQs

Can I balance transfer between cards?

Balance transfers are not permitted on internal HSFCU cards however, you may request a balance transfer from a non-HSFCU card with no balance transfer fee. This may be done via card services in online banking, visiting a branch or contacting Cardholder Services at (866-820-6821).

Can you further explain the 2.50% and 1.25% Reward Structure?

Certainly! All net purchases, up to $5,000 every billing cycle, will earn our industry-leading 2.50% cash back rewards. Any amounts over $5,000 will earn rewards at 1.25% without affecting previous rewards you’ve already earned. Once your next billing cycle begins you will begin to earn 2.50% again up to another $5,000. This means you could earn 2.50% on up to $60,000 in purchases per year!

Spend Example: $6,000 in net purchases over one Billing Cycle

Spend Tier Earn Rate Cashback Earned
First $5,000 2.5% $5,000 x 2.50% = $125.00
$5,001 – $6,000 1.25% $1,000 x 1.25% = $12.50

How do I redeem my cash back rewards?

Always Cash Rewards can be redeemed, on-demand, soon as they are available! It’s easy to redeem! Simply log on to Digital Banking, click on “redeem” within your card and choose one of the following methods:

  • Redeem immediately to one of your linked deposit Hawaii State FCU accounts.

  • Redeem for statement credit – generally applied within 3 business days.

If you are having trouble with online access, you may also call in at (808-587-2700) to request assistance with a redemption.

How long does it take to receive my card?

Your physical card should arrive within 7-10 days. However, generally within 2 days of your card being approved an option will appear in online banking to digitally add your card to your wallet! This means you can spend and start earning rewards before your physical card arrives.

Other Cards

Visa Platinum Rewards card

Visa® Platinum Rewards3

  • Earn points good for merchandise, travel, and gift cards
  • Get 5,000 bonus points when you make $1,000 in purchases in the first 90 days
  • Redemptions via CU Rewards
Apply now
Learn more
Visa Platinum Rewards card

Share Secured Visa® Platinum Rewards4

  • Build your credit with every purchase and on-time payment
  • Get 5,000 bonus points when you make $1,000 in purchases in the first 90 days
  • Low annual percentage rate4
Apply now
Learn more

Credit Cards

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Credit Card Product Terms Current Variable Index Rate¹
Always Cash Visa® Signature Rewards Revolving 18.00% APR
Visa® Platinum Rewards Revolving 14.90% to 18.00% APR
Share Secured Visa® Platinum Rewards Revolving 18.00% APR
Disclosures
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1. No cash advance, balance transfer, or foreign transaction fees. APRs current as of 1/8/2025 and vary with the market based on the U.S. Prime Rate plus a margin determined by creditworthiness. Rates are subject to change without notice. Maximum APR is 18.0%, as permitted by law. Available to Hawaii residents only.
Credit Card Holder Agreement
Credit Card Holder Application Disclosure

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