Skip nav to main content.
Visa Signature® Credit Card

"HFS gives us the best options and always makes sure we're taken cared of!"

- Sheri


A credit card with extra benefits and rewards


 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. Explore all the features


Low variable rate based on credit worthiness[1]


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

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! **

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

I filled out the credit card application online. Very easy to deal with and got approved a week later. Much mahalos!

— Casey

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:


Frequently Asked Questions

  • 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.

  • 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
  • The minimum and maximum amount a member may apply for is $5,000 and $50,000 respectively.

  • Credit Cards can be printed and issued in-branch so you may receive your card on the same day.

  • Cardholders immediately begin accruing points on their purchases. To view your rewards account and redeem for cash back, gift cards or merchandise, register at

  • 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.

  • 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:

    • 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.

  • 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.

    • 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.
  • 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.

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!

  • *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  Points will expire three years from the end of the calendar year in which they are earned, and will expired on a first-in, first-out basis annually.


    If you would like a Credit Card application mailed to you, please call HFS Federal Credit Union at (808) 930-1400.

    1APR= Annual Percentage Rate. Rates are as low as 16.00% APR as of April 1, 2024. 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 8.50% as of 04/01/2024.

    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.