2% unlimited cash back1

One of the highest cash back credit cards available

Simple and straightforward

Earn cash back on all purchases - no picking categories or guesswork

No foreign transaction fees

No fee for cash advances and balance transfers, either

Fixed rate2

Your competitive fixed APR on balances won't change

Introducing HawaiiUSA Federal Credit Union's ultimate cash back rewards credit card.

Our 2% Cash Back Visa® Credit Card lives up to its name

  • Lines available up to $50,000, 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
  • $50 annual fee (spending $2,500 per year generates enough cash back to cover the fee)
  • Read the complete Terms and Condtions and Guide to Benefits

Travel like a VIP

Take advantage of Visa® Signature Concierge Service for hotel stays, restaurant reservations, and other personalized experiences.

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. The HawaiiUSA Life Matters Cash Back Visa is also known as the 2% Cash Back Visa. Rate is a fixed 17.99% APR subject to creditworthiness and HawaiiUSA’s loan terms and conditions. Maximum line of $25,000.00, based on qualifications. Minimum membership of 12-months required to open account. 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.