Digital Banking

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Q: 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

Q: 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. See disclosures

Q: 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

Q: 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

Q: 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

Q: 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

Q: 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).

Q: 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 TierEarn RateCashback Earned First $5,0002.5%$5,000 x 2.50% = $125.00 $5,001 – $6,0001.25%$1,000 x 1.25% = $12.50 ❯

Q: 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.

Q: 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.

Earn 2.5% cash back with the Always Cash Visa^®

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

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.

Important disclosure

1. The Always Cash Signature Rewards Credit Card offers a variable APR of 18.00% for Purchases, Balance Transfers, and Cash Advances, determined based on creditworthiness. The APRs are current as of 10/8/2025 and will vary with the U.S. Prime Rate. Rates are subject to change at any time without prior notice. The APR will not exceed the maximum permitted by law, which is currently 18.0%. Cash Rewards are earned based on net purchases, and the card comes with a minimum credit line of $5,000. Membership in Hawaii State Federal Credit Union is required, and certain terms and conditions apply.

2. 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.

See why Always Cash is Always Right by You

We’ve traded categories so you can use this card on everything, everywhere.

Card	Maximum potential non-category cashback	Bonus Categories	Redemption?
	2.5%	None	On Demand
First Hawaiian Bank Priority Unlimited	2.0%	None	Once Per Year
Hawaii USA Life Matters Premium	2.0%	None	Once Per Year
Citi Double Cash	2.0%	None	On Demand
Discover IT	2.0%	Yes	On Demand
Chase Freedom Unlimited	1.5%	Yes	On Demand

Comparison chart is for illustrative purposes only across other credit cards in market. See each issuer’s card details for full program details.

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.

See disclosures

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 Rewards³

Apply now

Learn more

Share Secured Visa^® Platinum Rewards⁴

Apply now

Learn more

Important disclosure

3. The Platinum Rewards Credit Card has a variable APR of 14.65% to 18.00% for Purchases, Balance Transfers, and Cash Advances, determined by creditworthiness at account opening. The Share Secured Platinum Rewards Credit Card has a fixed APR of 18.00% for these transactions. APRs are current as of 10/8/2025, adjusting with the U.S. Prime Rate, and may change without notice. The APR will not exceed the maximum allowed by law, currently 18.0%. Rewards Points are earned on net purchases, and the Platinum Rewards Card requires a minimum credit line of $500. Membership in Hawaii State Federal Credit Union is required, and terms apply.

4. The Share Secured Platinum Rewards Credit Card has a variable APR of 18.00% for Purchases, Balance Transfers, and Cash Advances, based on creditworthiness at account opening. APRs are current as of 10/8/2025, adjust with the U.S. Prime Rate, and may change without notice. The APR will not exceed the maximum allowed by law, currently 18.0%. Rewards Points are earned on net purchases, and the card requires a minimum credit line of $500. Membership in Hawaii State Federal Credit Union is required, and terms apply.

Credit Cards

heDDER	heDDER	heDDER
Credit Card Product	Terms	Current Variable Index Rate¹
Always Cash Visa® Signature Rewards	Revolving	18.00% APR
Visa® Platinum Rewards	Revolving	14.65% to 18.00% APR
Share Secured Visa® Platinum Rewards	Revolving	18.00% APR

Important disclosure

Disclosures

1. No cash advance, balance transfer, or foreign transaction fees. APRs current as of 10/8/2025 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

Ready to apply for your credit card?

Apply online

Visit a branch

Contact Member Services

(808) 587-2700
1 (888) 586-1056
memberservices@hsfcu.com

Hawaii State FCU is dedicated to helping our members impacted by the government shutdown. Learn about our Emergency Financial Assistance Program.

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