Apply for an HFS Visa Signature®️ Credit Card
Aloha and thank you for thinking of HFS Federal Credit Union!
A credit card with extra benefits and rewards
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Overview
Special Offers For New Cardholders
Introductory Balance Transfer 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!Bonus Rewards Offer
Want to kick start your point earnings with $300 cash back? Earn 30,000 CURewards® points when you make $3,000 in purchases in the first 90 days of account opening! ***Only valid for new cardholders. Any existing balances on HFS FCU loan or credit card accounts are ineligible.
**Cardholder must make $3,000 worth of purchases (excludes cash advances and balance transfers) within the first 90 days of approval to qualify for the bonus 30,000 CURewards® points. Bonus Points will be reflected on the cardholder(s) next statement after successfully meeting the criteria above. The credit card account must be open and active at the time the bonus points are deposited to the cardholder(s) CURewards® account. Members may register for a CURewards® account by visiting www.curewards.com.Why get an HFS Visa Signature® Credit Card?
When you want more from your card, look no further than the HFS Visa Signature® Credit Card. Enjoy all of the benefits and features of the Visa Platinum® Credit Card, plus more! More rewards, more exclusive benefits, and special offers.
- Low variable rate based on credit worthiness1
- No annual or foreign transaction fees
- Credit limits from $5,000 to $50,000
- Contactless Pay Technology with the option to also insert or swipe your card
- Earn 2 CURewards® points 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
- Visa Signature specific benefits and more!
CURewards®
Spend wisely. Earn splendidly!
When you use your HFS Visa Signature® Credit Card on everyday purchases you’ll earn 2 CURewards® points 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!
Additional Info
Additional Benefits of your HFS Visa Signature® Credit Card
- Enjoy special access to unforgettable experiences with your HFS Visa Signature® Credit Card from fine wine and food events, luxury hotels and premium car rental service to once-in-a-lifetime sporting events, shopping and more.
- Auto Rental Collision Damage Waiver Program
- $500,000 in Travel Accident Insurance
- Travel and Emergency Assistance Services
- Roadside Dispatch®
- ID Navigator Powered by NortonLifeLock
- Extended Warranty Protection
- Porch Piracy Protection
For complete details, review the Visa Signature® Benefits Guide
Additional Resources:
Lost or Stolen HFS Visa Signature® Credit Card
For 24 hour Customer Service, to change a PIN, or to report a lost or stolen Visa Signature® Credit Card, please contact: Toll Free (866) 604-8139 International (727) 299-2449 Change PIN (888) 886-0083 Visa Signature® Credit Card Application and Solicitation Disclosure
Annual Percentage Rate (APR) for Purchases and Cash Advances 15.75% – 18.00% when you open your account, based on your creditworthiness. 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 15.75% – 18.00% based on your creditworthiness. 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 July 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 Signature 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) Visa Checkout
Pay online the easier way with Visa Checkout and your HFS Visa Signature® 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.
If you would like a Credit Card application mailed to you, please call HFS Federal Credit Union at 930-1400.
1APR= Annual Percentage Rate. Rates are as low as 15.75% APR as of July 1, 2023. The stated rate is a variable rate and is based upon the Prime rate (index) as published in the Wall Street Journal plus a margin of 7.5%, 9.5%, 11.5% or 13.5% based on your credit worthiness. 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 8.25% as of 07/01/2023.
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 Hawai'i. 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.
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Reviews
Visa Signature® Credit Card Reviews
My Review
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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.
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FAQ
Frequently Asked Questions
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What do I do if my transaction won’t go through and I know I still have an available credit line?
You may contact the Credit Union to provide the decline reason. Common reasons include improper card number, expiration date or security code. Be sure to check these, especially with online purchases.
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Who do I call if my card is lost or stolen?
For 24-hour Customer Service, to change a PIN, or to report a lost or stolen Visa Signature® Credit Card, please contact:
- Toll Free: (866) 604-8139
- International: (727) 299-2449
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What are the minimum and maximum limits for the HFS Visa Signature® Credit Card?
The minimum and maximum amount a member may apply for is $5,000 and $50,000 respectively.
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How long do I have to wait to receive my card once approved?
Credit Cards can be printed and issued in-branch so you may receive your card on the same day.
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How do I start earning rewards?
Cardholders immediately begin accruing points on their purchases. To view your rewards account and redeem for cash back, gift cards or merchandise, register at www.curewards.com.
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If my current contact information is different than what is shown on my account, should I apply with my new information?
Yes. Please note that during the loan review process, we will need to verify your contact information for discrepancies. To make this process as efficient as possible, please update your information on Online Banking, visit any branch, or call 930-1400 before submitting your application.
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How do I dispute a transaction on my card?
As soon as you discover a transaction that was not made by you, please call the number on the back of your Visa Signature® Credit Card:
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- Toll Free: (866) 604-8139
- International: (727) 299-2449
You can also visit us at one of our branches or send us a secure message through Online Banking.
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What is a Contactless card and what are the benefits?
A Contactless card payment utilizes a Radio Frequency (RF) technology, allowing cardholders to “wave” their Contactless card over a Contactless-enabled point-of-sale (POS) terminal. The embedded antenna transmits the payment info to the Contactless-enabled terminal using a one-time use code with each transaction. These new features allow for a secure, fast, and easy transaction process.
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How secure are Contactless Cards?
Every Contactless card payment transaction includes a one-time use, dynamic data for the transaction. This same data cannot be used for other transactions. In addition, each Contactless device must have its own unique secret key and this key is never transmitted.
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How do I make a Contactless card transaction?
- Verify that there is a Contactless symbol on the transaction terminal.
- Tap or hold your Visa card within 3 inches or so to a transaction terminal.
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How do I use my card if a store's terminal does not have the Contactless symbol/feature?
Your new card also includes an embedded microchip and magnetic stripe, so that if you find your favorite stores have not updated their transaction terminals, you can use your new card in the same way that you had used a standard card.
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What do I do if my transaction won’t go through and I know I still have an available credit line?
Questions?
Drop us a message anytime with your questions about the HFS Visa Signature® Credit Card.
