Always Benefits
Always Cash
Earn 2.5% cashback with no categories or enrollments*
Always Convenient
In your wallet, in your phone, with on-demand redemptions
Always Right
No Annual Fees, Cash Advance Fees, Foreign Transaction Fees, or Balance Transfer Fees.
Always Secure
Set card alerts, travel notifications, lock your card, or reissue your card instantly via online banking.
See why Always is Always Right by You
We’ve traded categories so you can use this card on everything, everywhere.
| Card | Maximum potential non-category cashback | Bonus Categories | Redemption? |
|---|---|---|---|
|
2.5% | None | On Demand |
| First Hawaiian Bank Priority Unlimited | 2.0% | None | Once per year |
| Hawaii USA Life Matters Premium | 2.0% | None | Once per year |
| Citi Double Cash | 2.0% | None | On Demand |
| Discover IT | 2.0% | Yes | On Demand |
| Chase Freedom Unlimited | 1.5% | Yes | On Demand |
Comparison chart is for illustrative purposes only across other credit cards in market. See each issuer’s card details for full program details.
Always There...
with additional Visa® Signature benefits2
when you use your Always Cash card.
For all the benefits below certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered Hawaii State FCU Always Cash Visa Signature Rewards card to secure related transactions. Please refer to your Guide to Benefits for further details.
Count on built-in auto rental coverage
Save money by saying no at the counter – rent with your covered Hawaii State FCU Always Cash Visa Signature card and get built-in Auto Rental Coverage.
To learn more about this benefit or to file a claim, go to www.eclaimsline.com or call 1-800-348-8472. If you are outside the U.S., you can call collect: 1-804-673-1164.
Extended your product’s warranties automatically
Add up to an additional year to your qualifying warranty with Extended Warranty Protection, available for purchases made with your covered Hawaii State FCU Always Cash Visa Signature Rewards card.
Go to www.cardbenefitservices.com or call 1-800-551-8472 to file a claim or get your questions answered. If you are outside the U.S., you can call collect: 1-303-967-1096.
Protect your purchases from the unexpected
Safeguard your new item against theft or damage for the first 90 days from the date of purchase with Purchase Security, available when you pay for your item with your covered Hawaii State FCU Always Cash Visa Signature Rewards card.
To learn more about this benefit or to file a claim, go to www.cardbenefitservices.com or call the Benefit Administrator at 1-800-553-4820. If you are outside the U.S., you can call collect: 1-303-967-1096.
Enjoy a more flexible return policy
Use your covered Hawaii State FCU Always Cash Visa Signature Rewards card and get extra return protection any time you make an eligible purchase of an item up to $250.00.
To learn more about this benefit or to file a claim, go to www.cardbenefitservices.com or call 1-888-565-8472. If you are outside the U.S., you can call collect at 1-303-967-1096.
Shop with confidence with built in Price Protection
If an item that you purchased with your covered Hawaii State FCU Always Cash Visa Signature Rewards card appears in a print advertisement at a lower price, you can be reimbursed the difference. Keep in mind, certain items do not qualify for Price Protection. Read the Terms and Conditions for full details.
To learn more about this benefit or to file a claim, go to www.cardbenefitservices.com or call 1-800-535-7520. If you are outside the U.S., you can call collect at 1-303-967-1096.
Protect your cell phone every time you pay your bill
When you pay your monthly wireless bill with your covered Hawaii State FCU Always Cash Visa Signature Rewards card, your cell phone is protected for the next calendar month. So, you can be reimbursed if your cell phone is stolen or damaged.
To learn more about this benefit or to file a claim, go to www.cardbenefitservices.com or call the Benefit Administrator at 1-866-894-8569. If you are outside the U.S., you can call collect: 1-303-967-1096.
In order for coverage to apply, you must pay your monthly eligible cellular wireless bill with your covered Hawaii State FCU Always Cash Visa Signature Rewards card.
Rate Table
| Product 1 | Terms | Current Variable Index Rate 1 |
|---|---|---|
| Always Cash Visa Signature Rewards Card | Revolving | 18.00% APR |
FAQ
Can you further explain the 2.50% and 1.25% Reward Structure?
Certainly! All net purchases, up to $5,000 every billing cycle, will earn our industry-leading 2.50% cash back rewards. Any amounts over $5,000 will earn rewards at 1.25% without affecting previous rewards you’ve already earned. Once your next billing cycle begins you will begin to earn 2.50% again up to another $5,000. This means you could earn 2.50% on up to $60,000 in purchases per year!
Spend Example: $6,000 in net purchases over one Billing Cycle
| Spend Tier | Earn Rate | Cashback Earned |
|---|---|---|
| First $5,000 | 2.5% | $5,000 x 2.50% = $125.00 |
| $5,001 – $6,000 | 1.25% | $1,000 x 1.25% = $12.50 |
How do I redeem my cashback?
Always Cash Rewards can be redeemed, on-demand, soon as they are available! It’s easy to redeem! Simply log on to online banking, click on “redeem” within your card and choose one of the following methods:
- Redeem immediately to one of your linked deposit Hawaii State FCU accounts.
- Redeem for statement credit – generally applied within 3 business days.
If you are having trouble with online access, you may also call in at (808-587-2700) to request assistance with a redemption.
How long does it take to receive my card?
Your physical card should arrive within 7-10 days. However, generally within 2 days of your card being approved an option will appear in online banking to digitally add your card to your wallet! This means you can spend and start earning rewards before your physical card arrives.
Can I balance transfer between cards?
Balance transfers are not permitted on internal HSFCU cards however, you may request a balance transfer from a non-HSFCU card with no balance transfer fee. This may be done via card services in online banking, visiting a branch or contacting Cardholder Services at (866-820-6821).
Have Questions?
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Disclosures
1. Earn 2.50% cash back on net purchases up to $5,000 each billing cycle. After that, a 1.25% cash back will apply to additional net purchases. The variable APR for Purchases, Balance Transfers and Cash Advances for the Always Cash card is 18%, when you open your Account, based on your creditworthiness. The APRs are current as of 11/1/2024 and will vary with the market based on the U.S. Prime Rate. Rates are subject to change at any time without prior notice. We will not charge an APR greater than the maximum that we are permitted to charge by law (currently 18.0%). Cash Rewards are based on net purchases. Minimum credit line is $5,000 for the Always Cash card. Certain terms and conditions apply. Credit union membership required. Contact us for eligibility. Hawaii residency required for new accounts.
2. No Cash Advance Fee, No Balance Transfer Fee, No Foreign Transaction Fee. Must be a Hawaii resident.
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- Federally insured by NCUA
