Skip to main content
Hawaii State Federal Credit Union

Platinum Rewards

This credit card is recommended for people with the following credit scores: 620-719 and 720+

Hawaii only
Availability
Eligibility requirements
  • This card is from a credit union, a not-for-profit, member-owned institution that you must join before applying for the card. Check with the credit union for membership requirements, which typically include living in certain areas or working for certain employers.

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Did you know: This card is from a credit union, which often offer lower interest rates and could save you hundreds of dollars per year.

Purchase interest rate and fees

15.9% – 18%* Purchase APR

*As of . Advertised purchase APRs change over time. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score Median purchase APR Comparison to other cards
620-719 15.9%
1 dollar sign symbol
Pay less interest
720+ 15.9%
1 dollar sign symbol
Pay less interest

After opening the credit card, the purchase APR is variable, meaning it can go up or down based on the index listed in the details below. Learn more about APRs in general and about fixed versus variable APRs.

15.9% – 18% for 3 months Introductory APR

Your introductory APR will vary based on your credit score. Here are typical introductory APRs for different credit scores for this card:

Credit score Median intro APR
620-719 18%
720+ 15.9%

If a card has promotional interest, ensure you’re on track to pay off the balance within the promotional period, or you could end up owing more in interest than the original purchase amount. Learn more about introductory APR offers.

Foreign transaction fee
None
Minimum finance charge
No minimum interest payment is required to avoid additional fees
Grace period
25 days until interest begins to accrue on purchases
Balance computation method
Monthly interest is calculated based on your average daily balance including new purchases
Purchase APR index
The purchase APR varies depending on the value of the prime index

Learn more about how credit card interest is calculated.

Fees

$0 Annual fee
Late fee
$28 for the first late payment and $28 for a late payment within six billing cycles of another late payment
Over-limit fee
None
Returned Payment
$28 (If there is no previous incident of returned payments)

Rewards and perks

This card does not offer cash back, travel, or other rewards.

Balance transfer interest rate and fees

This card does not offer balance transfers.

Cash advance interest rate and fees

15.9% – 18%* Cash advance APR
+
$0 Cash advance fee

*As of . Advertised cash advance APRs change over time. Check rates before applying.

The median cash advance APR for this card is 15.9%.

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.