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APR=Annual Percentage Rate. 2.99% APR introductory rate will apply to all purchases and balance transfers made during the initial 6 months of opening your new Visa account. After the introductory 6 months, APR will be 11.15% to 18.00% based on your creditworthiness and may vary with the market based on the Prime Rate. Promotional 5% cash rewards offer only applies to new Visa accounts effective as of 5/1/19. After the introductory 6 months, you will receive 1% cash rewards on all net purchases. Net purchases are purchases minus credits and returns. For the first 6 months after opening, the maximum monthly credit is $375.00 and is based on monthly eligible net purchases of $7,500. After the introductory 6 month period, there is no limit to the amount that can be earned.  This offer is subject to change without notice. Cash rewards earnings are credited to your card account in your May and November statements of each year. Hawaii Central Federal Credit Union membership is required. Please see Visa Platinum Cash Rewards Program Terms and Conditions for complete details or call our Consumer Loan Department at (808) 536-0833. Federally insured by NCUA.

View our Visa Agreement and Disclosure | View our Visa Cash Rewards Program Terms & Conditions