Purchase APR
11–15%
Annual fee
None
Foreign fee
None
620–719720+Cashback
Carrying $3k for a year ≈ $390
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67
CU Hawaii Classic/Gold/Platinum MasterCard
Cu Hawaii Federal Credit Union
One State/TerritoryFixed rateNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
11–17.25%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
25 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered11%
Median13%
Highest offered17.25%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered11%
Median13%
Highest offered17.25%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction feeNone
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Return Payment Fee$20
Card Replacement Fee$10
PIN Replacement Fee$5
Rush Fee$45
Rush PIN Fee$45
Late fee policy: $25.00 or the amount of the required Minimum Payment, whichever is less, if you are 10 or more days late in making a payment.
Rewards, benefits and features
Rewards
- Cashback rewards
- Travel-related rewards
Services
None reported
Features
- Contactless Payments
- Chip card
- Fee-free foreign transactions
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityOne State/Territory
StatesHI
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence
RequirementOther. Please Describe:
Geographic: Must Reside or Work on the Island of Hawaii
Phone1-800-933-6706
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 13.00%$390
Annual / periodic fees$0
Total yearly cost$390
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.
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