1% Cash Back Visa Credit Card
1% unlimited cash back1
Earn on every purchase, online and in-store
Competitive interest rates as low as 8% APR
Save on purchases and balance transfers
No annual fee
And no fees for cash advances or balance transfers
No foreign transaction fees
This can be your new go-to credit card for travel
Earn cash back on everyday purchases with HawaiiUSA Federal Credit Union's 1% Cash Back Visa® Credit Card.
A credit card with many rewarding features
- Lines available up to $30,000, based on qualification
- Connect to Apple Pay, Samsung Pay, and Google Pay Mobile Wallets for contactless payments
- Make payments to the card through Digital Banking and the HawaiiUSA mobile app
- Built-in liability protection protects against fraud
- Lock and unlock your card with Card Controls
- Read the complete Terms and Conditions and the Guide to Benefits
Enjoy additional benefits, too
You have immediate access to Travel Accident Insurance, special credit counseling and financial wellness services, and more.
Frequently asked questions
To increase your mortgage pre-approval amount, you can take the following steps:
- Improve your credit score: Pay bills on time, reduce outstanding debt, and correct any errors on your credit report to boost your creditworthiness.
- Increase your income: Seek opportunities to enhance your earnings, such as working overtime, taking on a second job, or pursuing career advancement.
- Save for a larger down payment: A larger down payment reduces the loan amount, increasing your chances of a higher pre-approval amount. Save diligently and consider alternative sources, such as gift funds or down payment assistance programs.
- Reduce existing debt: Pay off outstanding loans or credit card balances to lower your debt-to-income ratio, which can improve your borrowing capacity.
- Consider a co-borrower: Adding a co-borrower with a strong credit history and income can boost your pre-approval amount by combining both applicants' qualifications.
The specific impact of these actions on your pre-approval amount may vary depending on your individual circumstances and lender requirements. Consult with a Mortgage Loan Officer to receive personalized guidance.
Manage debit and credit card settings in Digital Banking or the Mobile Banking app. You can block or unblock debit or credit card transactions from going through for that card, or create travel notices.
- Go to “Manage Accounts” and click “Credit & Debit Card Controls”.
- Select your desired card.
- To block your card, select the option to block/unblock your card.
- To set a travel note, go to the travel notes section and enter your travel information. If you are going to multiple locations, please separate using a comma.
Cash back deposited into primary Share Account on an annual basis.
APR = Annual Percentage Rate. The HawaiiUSA Life Matters Cash Back Visa is also known as the 1% Cash Back Visa. Rates are based on creditworthiness. Maximum line available is $15,000.00, based on qualifications. Subject to HawaiiUSA’s loan terms and conditions. Minimum membership length requirement based on credit score. Other membership guidelines and restrictions 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. Apple Pay, Samsung Pay, and Google Pay are registered trademarks of Apple Inc., Samsung Electronics Co., Ltd., and Google Inc., respectively.
