Visa Platinum® Credit Card

13.25% APR1

"Friendly service and always ready to help"
- Brian

Apply for an HFS Visa Platinum® Credit Card

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New Members

Complete your application online or visit your nearest HFS branch to meet with a Loan Officer.

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Current Members

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If you prefer to complete your application in-branch with a Loan Officer, please visit us at your nearest HFS branch location.

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A card that allows you to purchase goods and services with borrowed funds on credit

  • Overview

    Why get an HFS Visa Platinum® Credit Card?

    Enjoy the convenience of making purchases with a credit card and earn rewards as you spend too! Our HFS Visa Platinum® Credit Card is also a great way to build or get started with credit.

    • Low variable rate1
    • No annual or foreign transaction fees
    • Credit limits from $500 to $50,000
    • Contactless Pay Technology with the option to also insert or swipe your card
    • Earn 1 CURewards® point per $1 spent and redeem for cash back, gift cards, merchandise or travel
    • 24/7 access to card controls through HFS Online Banking and the Mobile App
    • Additional Visa benefits

    Introductory Offer

    Take advantage of our limited time 1.99% Introductory APR for 12 months on balance transfers made in the first 90 days of account opening. After the intro period ends, interest rates will be the standard rate at the time.*

    Simply call the number on the back of your new card to transfer a balance!

    *Offer valid for new cardholders. Any existing balances on HFS FCU loan or credit card accounts are ineligible.

    CURewards®

    Spend wisely. Earn splendidly!

    When you use your HFS Visa Platinum® Credit Card on everyday purchases you’ll earn 1 CURewards® point per dollar to use towards travel, hotel stays, merchandise, gift cards, or even cash back! Create an account to access and redeem your points today!

    Visit CURewards®

    Additional Info

    Additional Benefits of your HFS Visa Platinum® Credit Card

    • Auto Rental Collision Damage Waiver Program
    • $500,000 in Travel Accident Insurance
    • Travel and Emergency Assistance Services
    • Roadside Dispatch®
    • ID Navigator Powered by NortonLifeLock

    For complete details, review the Visa Platinum® Benefits Guide

    Additional Resources:

    Lost or Stolen HFS Visa Platinum® Credit Card

    For 24 hour Customer Service, to change a PIN, or to report a lost or stolen Visa Platinum® Credit Card, please contact:
    Toll Free (866) 604-8153
    International (727) 299-2449
    Change PIN (888) 886-0083

    Visa Platinum® Credit Card Application and Solicitation Disclosure

    Annual Percentage Rate (APR) for Purchases and Cash Advances 13.25%

    This APR will vary with the market based on the Prime Rate.
    Annual Percentage Rate (APR) for Balance Transfers 1.99% Introductory APR for 12 months from account opening. After that, your APR will be 13.25%.

    This APR will vary with the market based on the Prime Rate.
    How To Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
    For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
    Fees
    Annual Fee  
    – Annual Fee None
    Transaction Fees  
    – Balance Transfer Fee None
    – Cash Advance Fee None
    – Foreign Transaction Fee None
    Penalty Fees  
    – Late Payment Fee Up to $25.00
    – Returned Payment Fee Up to $25.00
    How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases)”.
    Promotional Period for Introductory APR: The Introductory APR for balance transfers will apply to transactions posted to your account during the first 90 days following the opening of your account. Any existing balances on HFS Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.
    Effective Date.

    The information about the costs of the card described in this application is accurate as of April 1, 2023. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
    For California Borrowers, the Visa Platinum is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. 
    Other Fees & Disclosures
    Late Payment Fee 10.00% of your current required minimum payment, if you are 10 or more days late in making a payment. However, the fee will not exceed $25.00.
    Returned Payment Fee $25.00 or the amount of your current required minimum payment, whichever is less.
    Emergency Card Replacement Fee $100.00 for requests originating and delivered inside the U.S.
    Emergency Card Replacement Fee $165.00  for requests originating or delivered outside the U.S.
    Rush Fee $80.00    
    Statement Copy Fee $5.00 per copy
    Account Research Fee $25.00 per hour (minimum 1 hour)

    Apply Now

    Visa Checkout

    Pay online the easier way with Visa Checkout and your HFS Visa Platinum® Credit Card.

    • When you’re shopping online, easily pay with a single login from any device
    • Guard your data behind multiple layers of security

    Simply enroll, add your HFS Credit Card, and look for the Visa Checkout button when you shop online.

    Enroll in Visa Checkout

    If you would like a Credit Card application mailed to you, please call HFS Federal Credit Union at 930-1400.

    1APR= Annual Percentage Rate. Rate is 13.25% APR as of April 1, 2023. The stated rate of 13.25% APR is a variable rate and is based upon the Prime rate (index) as published in the Wall Street Journal plus a margin of 5.50%. The APR may be adjusted quarterly on the first day of January, April, July and October with a maximum rate of 18%. The index value is determined as of 10 days before the date of any annual percentage rate adjustment. The current index value is 7.75% as of 04/01/2023.

    All Credit Cards are subject to credit approval.

    Membership with the Credit Union is required and open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the Island of Hawaii. A minimum opening balance of $50.00 is required to open a Savings Account.

    Insurance products are not products of the Credit Union; and are not obligations of or guaranteed by the Credit Union. Credit Disability Insurance is offered through CUNA Mutual Group.

  • Reviews

    Visa Platinum® Credit Card Reviews

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  • Calculator

    Calculator

    Credit Card Loan Calculator

    The Calculator Tools are not guarantees of credit. Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

  • FAQ

    Frequently Asked Questions

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