For some cardholders, a Platinum Visa card is just not enough. For these people a rewards type credit card is a great choice. The cardholder uses their card like they normally would, with the knowledge that they will earn special points that they can exchange for fun rewards with every purchase.
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Even though the benefits of a rewards credit card are obvious, some people let their desire to earn as many points as possible outweigh their budget. People with rewards credit cards have been known to spend more each month than those with regular cards. To learn more about how to keep your budget in mind while using your credit card go to Suze Orman’s “Managing Debt” webpage.
Hawaii State Federal Credit Union Visa Platinum Rewards Card Terms and Rates
The Hawaii State FCU Visa Platinum Rewards credit card has an annual percentage rate of 8.5% to 14.5%. A cardholder’s credit card interest is calculated using their credit score, which determines how much they’ll have to pay each month. Unlike a credit card offered by a bank, this credit union credit card has the same interest rate for purchases, balance transfers, cash advances, and convenience checks. Bank-issued credit cards almost always charge more interest for cash advances and convenience checks.
This card does have a foreign transaction fee of 1%. There is no cash advance fee, balance transfer fee, or fee for going over the credit card’s credit limit. There is a 5% penalty fee for late payments with a minimum fee of $10. There is also a $24 return payment fee.
Hawaii State Federal Credit Union Visa Platinum Rewards Card Rewards Program
This rewards credit card is part of the CU Rewards program. As with any other rewards credit card, the cardholder will earn rewards points with every purchase. Once they have earned enough points for the rewards they want, all they have to do is exchange their points for that reward at the CU Rewards website.
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