Take the guesswork out of earning rewards. No category limitations, no tiers, and no additional product requirements to earn your full Credit Card rewards!

2% Unlimited cash back

A low $50 annual fee

Visa Signature Concierge service

It’s simple. One Credit Card, all the time.

Why struggle with having to shuffle between multiple credit cards trying to find the one whose offer drops off the least? Or why be handcuffed to needing an additional product to earn the maximum rewards? With the Life Matters Premium Cash Back card, shop confidently knowing your earning stays the same no matter where you shop in Hawaii and beyond, what you buy, or what additional HawaiiUSA Federal Credit Union accounts you have!

  • 2% cash back on purchases with no rebate tiers, revolving purchase categories, or required product bundling 1
  • Competitive fixed interest rate 2
  • $50 annual fee
  • No cash advance fees
  • No balance transfer fees
  • No foreign transaction fees
  • Enhanced security - lock/unlock your card and add travel notes any time of day or night in Digital Banking
  • Convenient online account management tools - view transactions, make online payments, get notifications, and more through Digital Banking 
  • Contactless - "tap and go" technology where accepted; works with Apple Pay, Google Pay, and Samsung Pay


Rewards Terms and Conditions


Apply now


1 Cash back deposited into primary Share Account on an annual basis.
2 APR = Annual Percentage Rate. Rate is a fixed 17.99% APR, subject to creditworthiness and HawaiiUSA’s loan terms and conditions. Membership guidelines may apply. Visa is not affiliated in any way with HawaiiUSA Federal Credit Union or this promotion. Visa is a registered trademark of Visa, Inc. in the United States and other countries. Insured by NCUA.
Apple Pay, Samsung Pay, and Google Pay are registered trademarks of Apple Inc., Samsung Electronics Co., Ltd., and Google Inc., respectively.

Additional Visa Credit Card benefits

  • Auto Rental Collision Damage Waiver Program
  • Extended Warranty
  • Travel and emergency services
  • Travel accident and baggage delay
  • Roadside dispatch
  • Visa Luxury Hotel Collection reservations
  • Skillshare trial membership
  • Sofar Sound
  • Signature rental car privileges
  • Emergency card replacement
  • Credit counseling and financial wellness consultative services from HawaiiUSA experts


View full Visa Benefits

Life Matters Premium Cash Back Visa Credit Card - Agreement and Disclosures

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