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

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:
1.    Improve your credit score: Pay bills on time, reduce outstanding debt, and correct any errors on your credit report to boost your creditworthiness.
2.    Increase your income: Seek opportunities to enhance your earnings, such as working overtime, taking on a second job, or pursuing career advancement.
3.    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.
4.    Reduce existing debt: Pay off outstanding loans or credit card balances to lower your debt-to-income ratio, which can improve your borrowing capacity.
5.    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.

  1. Go to the “Financial Tools” tab and click “Credit & Debit Card Controls”
  2. Select your desired card
  3. Click block or unblock to control transactions, or click the dropdown for Travel Notices, where you can enter the start/end date of travel along with your domestic or international destination (Note: to list multiple locations, please separate using a comma. For a credit card, you are NOT able to enter more than one travel note at a time.
  4. Save settings

Cash back deposited into primary Share Account on an annual basis.


APR = Annual Percentage Rate. 1% Cash Back Visa is also known as the HawaiiUSA Life Matters Cash Back Visa. Rates are between 8.00% - 16.90%, based on creditworthiness. Subject to 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. 

Apple Pay, Samsung Pay, and Google Pay are registered trademarks of Apple Inc., Samsung Electronics Co., Ltd., and Google Inc., respectively.

Terms and Conditions and the Guide to Benefits