Artwork source · Hawaii Central Credit Union ↗

VISA PLATINUM CASH REWARDSHawaii Central Credit Union · federal credit union, HI · NCUA 24839

CurrentLast observed Oct 14, 2026Official issuerCredit card · Consumer · VisaNetwork stated on issuer website

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Purchase APR

—

Balance transfer

—

Cash advance APR

—

Annual fee

No Annual Fee

a year

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	—	no source read
APR for balance transfers	—	no source read
APR for cash advances	—	no source read
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	No Annual FeeHAWAII CENTRAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“No Annual Fee”HAWAII CENTRAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Transaction fees
Cash advance	$0, No Cash Advance FeeHAWAII CENTRAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“No Cash Advance Fee”HAWAII CENTRAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Balance transfer	$0, No Balance Transfer FeeHAWAII CENTRAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“No Balance Transfer Fee”HAWAII CENTRAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read
Opening conditions	Hawaii Central Federal Credit Union membership eligibility is required. Please see Visa Platinum Cash Rewards Program Terms and Conditions for complete details or call our Consumer Loan Department HAWAII CENTRAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Hawaii Central Federal Credit Union membership eligibility is required. Please see Visa Platinum Cash Rewards Program Terms and Conditions for complete details or call our Consumer Loan Department”HAWAII CENTRAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Cash back	1% cash back. Payment timing is not disclosed. Earn 1% cash back! Cash back will automatically be credited to your statement, monthly.HAWAII CENTRAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Earn 1% cash back! Cash back will automatically be credited to your statement, monthly.”HAWAII CENTRAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Cash back	5% cash back. Payment timing is not disclosed. 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.HAWAII CENTRAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“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…”HAWAII CENTRAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website

Visa Platinum Agreement, Application and Solicitation Disclosurepage 1 of 8

n this Agreement, 'Agreement' means this Consumer Credit Card Agreement. 'Disclosure' means the Credit Card Account Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement and is part of the Agreement. In this Agreement the words "you," 'your,' and "yours" mean each and all of those who agree to be bound by this Agreement; "card" means the Visa credit card and any duplicates, renewals, or substitutions the Credit Union issues to you; "account" means your Visa credit card line-of-credit account with the Credit Union; and "Credit Union" means the Credit Union whose name appears on this Agreement or anyone to whom the Credit Union transfers this Agreement.

USING YOUR ACCOUNT If you are approved for an account, the Credit Union will establish a line of credit for you. You agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus "other charges") which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will not allow advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances that exceed your credit limit, subject to a fee, the Credit Union will provide you with notice, either orally, in writing, or electronically (notwithstanding the requirements of the paragraph entitled 'Statements and Notices') explaining your right to opt in to the Credit Union's program whereby it will honor advance requests over the credit limit. In the event you opt in to such a program, you agree to the terms of such a program. You may request an increase in your credit limit only by a method acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an advance and/or terminate your account at any time for any reason not prohibited by law. If you are permitted to obtain cash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn on your account. Convenience checks may not be used to make a payment on your account balance. If you use a convenience check, it will be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check drawn on your account for any reason and such refusal shall not constitute wrongful dishonor.

You may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee imposed to stop a payment on a convenience check issued on your account. You may make a stop payment request orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the check for payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately describe the check including the exact account number, the payee, any check number that may be applicable, and the exact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after 14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six (6) months and may be renewed for additional six month periods by requesting in writing that the stop payment order be renewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying a check or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to assign to us all of your rights against the payee or other holders of the check or draft and to assist us in any legal action. You agree to indemnify and hold us harmless from all costs and expenses, including attorney's fees, damages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result of incorrect information provided to us or the giving of inadequate time to act upon a stop payment request.

USING YOUR CARD You understand that the use of your credit card or credit card account will constitute acknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening Disclosure (Disclosure). You may use your card to make purchases from merchants and others who accept your card. The credit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union, from other financial institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your card.) If the credit union authorizes ATM transactions with your card, it will issue you a personal identification number (PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Even if you use your card for an illegal transaction, you will be responsible for all amounts and charges incurred in connection with the transaction. If you are permitted to obtain cash advances on your account, you may also use your card to purchase instruments and engage in transactions that we consider the equivalent of cash. Such transactions will be posted to your account as cash advances and include, but are not limited to, wire transfers, money orders, bets, lottery tickets, and casino gaming chips, as applicable. This paragraph shall not be interpreted as permitting or authorizing any transaction that is illegal.

VISA PLATINUM CASH REWARDS CONSUMER CREDIT CARD AGREEMENT

1 2 3 4 5 6 7 8No page of this document is cited by this card

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

HAWAII CENTRAL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:a2f5d1726412a2cb76307bf272aaa30ab3bb6dc73592ad92021c91a6ab219f8b
“No Annual Fee”
Open source link ↗
HAWAII CENTRAL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:a2f5d1726412a2cb76307bf272aaa30ab3bb6dc73592ad92021c91a6ab219f8b
“No Balance Transfer Fee”
Open source link ↗
HAWAII CENTRAL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:a2f5d1726412a2cb76307bf272aaa30ab3bb6dc73592ad92021c91a6ab219f8b
“No Cash Advance Fee”
Open source link ↗
HAWAII CENTRAL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:a2f5d1726412a2cb76307bf272aaa30ab3bb6dc73592ad92021c91a6ab219f8b
“Earn 1% cash back! Cash back will automatically be credited to your statement, monthly.”
Open source link ↗
HAWAII CENTRAL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:a2f5d1726412a2cb76307bf272aaa30ab3bb6dc73592ad92021c91a6ab219f8b
“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…”
Open source link ↗
HAWAII CENTRAL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:a2f5d1726412a2cb76307bf272aaa30ab3bb6dc73592ad92021c91a6ab219f8b
“Apply Now”
Open source link ↗
HAWAII CENTRAL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:a2f5d1726412a2cb76307bf272aaa30ab3bb6dc73592ad92021c91a6ab219f8b
“View our Visa Agreement and Disclosure”
Open source link ↗
HAWAII CENTRAL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:a2f5d1726412a2cb76307bf272aaa30ab3bb6dc73592ad92021c91a6ab219f8b
“View our Visa Solicitation Disclosure”
Open source link ↗
HAWAII CENTRAL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:a2f5d1726412a2cb76307bf272aaa30ab3bb6dc73592ad92021c91a6ab219f8b
“View our Visa Cash Rewards Program Terms & Conditions”
Open source link ↗
HAWAII CENTRAL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:a2f5d1726412a2cb76307bf272aaa30ab3bb6dc73592ad92021c91a6ab219f8b
“Hawaii Central Federal Credit Union membership eligibility is required. Please see Visa Platinum Cash Rewards Program Terms and Conditions for complete details or call our Consumer Loan Department”
Open source link ↗
HAWAII CENTRAL
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:a2f5d1726412a2cb76307bf272aaa30ab3bb6dc73592ad92021c91a6ab219f8b
“VISA”
Open source link ↗

History

dates on sources or when they were captured

Oct 14, 2026: Annual fee, Balance transfer fee, Cash advance fee, Cash back, Issuer link

Offered through: Hawaii Central Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 24839
Branches: 3 in HI
Sources: Official issuer · 1 document · 0 pages cited

Documents

Visa Platinum Agreement, Application and Solicitation Disclosureeffective date not parsed

VISA PLATINUM CASH REWARDSHawaii Central Credit Union · federal credit union, HI · NCUA 24839

Rates and fees