EARN 2.5% CASH BACK*

The industry-leading cash back reward card that’s always there for you.

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?
always-cash-line-merged 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.

Rate Table

Product 1 Terms Current Variable Index Rate 1
Always Cash Visa Signature Rewards Card Revolving 18.00% APR

FAQ

Have Questions?

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 4/1/2024 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.

Third Party Site Disclaimer

We may provide links to external websites that refer to third party services and products available to Hawaii State FCU members, for enrollment in Hawaii State FCU financial education webinars, or other purposes. Please review the terms and conditions of use carefully. We do not make any express or implied representation or warranty to you concerning the quality, safety or suitability of external websites, or their services, products, or contents. External websites are not under our control and may have different security, privacy and other. Using the links may identify you as a Hawaii State FCU member to the external website operator. Services and products from third parties are not obligations of, nor endorsed or guaranteed by, Hawaii State FCU nor the National Credit Union Share Insurance Fund. Alternative services and products may be obtained from other providers of your choice.

Click “ACCEPT” to enter an external website. Click “Cancel” to return to HSFCU’s website.

Third Party Site Disclaimer

We may provide links to external websites that refer to third party services and products available to Hawaii State FCU members, for enrollment in Hawaii State FCU financial education webinars, or other purposes. Please review the terms and conditions of use carefully. We do not make any express or implied representation or warranty to you concerning the quality, safety or suitability of external websites, or their services, products, or contents. External websites are not under our control and may have different security, privacy and other. Using the links may identify you as a Hawaii State FCU member to the external website operator. Services and products from third parties are not obligations of, nor endorsed or guaranteed by, Hawaii State FCU nor the National Credit Union Share Insurance Fund. Alternative services and products may be obtained from other providers of your choice.

Click “ACCEPT” to enter an external website. Click “Cancel” to return to HSFCU’s website.