A Visa Platinum credit card like the one offered by the Hawaii USA Federal Credit Union is a great choice for someone that has a very good, established credit history and a decent annual income. This is also a good choice for someone that does have a higher credit score, but wants the simplicity of a card with no rewards program.
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Using the credit card chaser tool is a great way to find a credit card to fit your life. If you want to see what other cardholders think of a credit card, a consumer ratings site like J.D. Power’s “Credit Card Ratings” is an excellent resource.
Hawaii USA Federal Credit Union Visa Platinum Credit Card Rates
This credit card has an annual percentage rate range of 8% to 14.9%. This range is well below the interest rate of most bank-issued credit cards in today’s market. The ultimate amount the cardholder will have to pay each month is decided by their personal credit score. The better the cardholder’s credit score is, the better their interest rate will be.
This interest rate will apply to purchases, as well as cash advances and balance transfers. It is very unusual to find a credit card that does not charge a higher interest rate for cash advances.
There are also fewer fees with the credit union card than with a bank-issued card. There is no annual fee, no cash advance fee, and no balance transfer fee. There is a 1% transaction fee for foreign transactions. There is a returned payment fee of $24 and a late payment fee of 5% with a maximum fee amount of $35.
Added Benefits of a Hawaii USA Federal Credit Union Visa Platinum Credit Card
Like all other Visa credit cards, this Platinum card offers the cardholder free car rental insurance. The cardholder also has travel accident insurance with this card.
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