Credit Card
Our VISA Platinum Credit Card with Kaua‘i FCU Rewards allows you to get exactly what you want from a rewards program. Earn 1 point for every dollar spent and receive cash back rewards with no annual fee and a low interest rate.
- Balance Transfer
- Credit Card
- Calculator
- Kaua‘i FCU Rewards
Move high-interest debt and save more.
New cardholders, apply now.
Existing cardholders who want to transfer a balance or learn more.
Take control of high-interest debt this February with Kauaʻi FCU’s limited-time Balance Transfer Promotion. Move balances from higher-rate credit cards or loans to your Kauaʻi FCU credit card and enjoy 0% intro APR for six months, plus no balance transfer fee during the promotional window. It’s a simple way to save on interest, consolidate payments, and make meaningful progress toward paying down your balance faster.
FAQ
What is a balance transfer?
What debts can I pay with a balance transfer?
How do I transfer credit card balances to my credit union card?
How long is the 0% APR promotional period?
When does my promotional period begin?
What APR applies after the promotional period ends?
Is there a balance transfer fee?
Is there a minimum or maximum amount I can transfer?
Are there any other fees I should know about?
*APR = Annual Percentage Rate. The current Kaua‘i FCU Visa® Rewards credit card APR ranges from 9.99%–14.99%, based on creditworthiness. APR is fixed and will revert to the cardholder’s APR once the promotional rate concludes. 0.00% introductory APR applies to qualifying balance transfers posted between 02/01/26 and 02/28/26. The promotional APR will remain in effect for six months, after which the APR will revert to the cardholder’s standard fixed APR. No balance transfer fee applies to qualifying promotional balance transfers. Foreign transaction fee: 3%. No annual fee, no cash advance fee. Rates, terms, and conditions are subject to change. All credit is subject to approval.
Credit Cards
The Kauaʻi FCU VISA® Credit Card is built to keep more money in your pocket—with low rates from 9.99%–14.99% APR and the added value of Kauaʻi FCU Rewards. Earn points on everyday purchases while enjoying the flexibility, local support, and people-first service you expect from your credit union. Whether you’re covering daily expenses or planning something bigger, it’s a smarter card designed around your financial well-being.
- Rates are 9.99% APR – 14.99% APR*
- No Annual Fee
Kaua‘i FCU Rewards
Reward yourself with every swipe.
$1 spent = 1 point earned
Your everyday purchases are now more rewarding than ever. Earn points automatically every time you use your Kaua‘i FCU credit card.
Track your balance, see transactions, and redeem rewards—all from your Kaua‘i FCU Online Banking dashboard
Your Points. Your Choice.
Redeem for:
- Digital & physical gift cards
- Cash back and statement credits
- Local experiences and special offers
- Everyday merchandise and household items
Redeem right inside Online Banking—no extra login needed.
Calculators
*APR= Annual Percentage Rate. Rates are based on credit worthiness. No annual fee. No foreign transaction fee. Federally insured by NCUA.