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Balance Transfer to Hawaiian Airlines Visa Platinum Hawaiian Airlines Visa® Platinum


Hawaiian Airlines Visa Platinum
Intro APR: 1.9%

 Issuer: Card issued by FIA Card Services, NA.
APR (Purchases): Intro Rate - 1.9% for six billing cycles. Goto rate is a variable risk based rate is Prime + 6.99%
APR (Balance Transfers): Intro Rate - 1.9% for six billing cycles. Goto rate is a variable risk based rate is P + 6.99%
APR (Cash Advances): 21.99% Variable * minimum 19.99% . (P + 15.99%)
Finance Configuration: Average Daily Balance (including new purchases)*
Annual Fee: $50
Additional Cardholders: $0
Grace Period: 20 Days (Min.)
Minimum Credit Limit: $500
Maximum Credit Limit: $15,000
Late Payment Fee: $19 on balances up to $100; $29 on balances of $100 up to $1,000; and $39 on balances over $1,000
Over-The-Limit Fee: $35
Cash Advance Fee: 3%, $10 minimum
Balance Transfer Fee: None

Rewards Program Details:
  • Miles per Dollar: 1 HawaiianMile for every dollar
  • Miles per Dollar spent for tickets purchased directly from Hawaiian Airlines: 2 HawaiianMiles for every dollar
  • Earn additional miles at HawaiianMiles supercharged merchants
  • Miles Expiration: No, unless account inactive for 3 years
  • Yearly Limit on miles you can earn: 100,000
  • Bonus Miles: 10,000 Miles upon first purchase and first minimum payment
  • Anniversary Bonus Miles: 5,000 each year when you renew your card
  • 50% discounted Companion Ticket upon approval
  • 4 complimentary beverage coupons upon approval and each year when you renew your card
  • 2 complimentary headset coupons upon approval and each year when you renew your card
  • Automatic status as HawaiianMiles Preferred member
  • Can pool miles with friends and family
  • Greater access to award seats
  • No blackout dates
*See website for complete terms and conditions of card usage and application disclosure. *Terms and Conditions





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Apply for Hawaiian Airlines Visa® Platinum

The average American household owes thousands of dollars on their credit cards. Given that the average interest rate on a credit card is currently in the 18% range, the monthly payments that card-issuing banks receive should generate pretty substantial profits. Those profits are substantial, especially when combined with the fees that merchants pay to accept the cards for purchases in the first place. The growth of the industry, and subsequently, growth of profits, has slowed somewhat since the Federal government mandated higher minimum monthly payments for credit card customers last year. Since the average minimum payment has doubled, to about 4% of the outstanding balance, many customers have started to pay down their balances. When balances go down, so do profits.

If the balances are going down, how can the credit card companies increase their profits? It’s easy; they just raise the interest rates that they charge their customers. Customers may find their interest rates increasing to as much as 30% per year for any of the following “transgressions”:

  • Paying your credit card bill late. In addition to a late fee that may amount to as much as $39, a late payment will probably cause an increase in the interest rate on the card.

  • Paying any bill late. A clause found in many cardmember agreements, called the “universal default clause”, allows credit card companies to increase interest rates if you make a late payment to nearly anyone. This might include a mortgage, car loan or even a utility bill.

  • Getting too close to your limit. If you find your balance creeping up close to your limit, your card issuer may decide that you are now a “risky” customer and may increase your interest rate accordingly.

  • Not using enough of your limit. Banks want you to use the credit cards. Having too much credit could also trigger an interest rate increase.

  • Any, or no reason at all. Most cardmember agreements permit the issuing bank to raise interest rates for any reason at all, even for accounts with so-called “fixed” interest rates. The only legal requirement is that they provide you with fifteen days written notice.

    • How can you avoid having your interest rate increased to 30% per year? In some cases, it will be unavoidable, in which case you should consider applying for another card. Otherwise, you should be diligent about paying all of your bills on time and make sure that you remit at least the minimum amount due. If you have a card that has a high limit that you rarely use, you might consider asking the company to lower your limit. If you have a high balance, you might look into transferring some or all of that balance to another card. You might even consider taking out a loan to pay down the balance.

    Credit card companies are becoming more and more eager to find reasons to raise interest rates. The last thing you want to do as a consumer is to make it easy for them to do.


    • Transfer your balance to Hawaiian Airlines Visa® Platinum

    • Budgets have gotten a bad name for limiting how much you can spend. But that isn't the actual truth behind a budget. A budget does limit your spending, but it does so in order to let you have money for the things that you really want. It gets you where you are going in life financially. Without it, you are wandering aimlessly around.

      Have you ever sat down to pay the bills and be filled with worry over how you will make the ends meet? Have you gotten your credit card bill just to be silently shocked at the amount? Do you have regret after shopping? Do you have any idea how much money you have in the bank at this exact moment, or are you spending blindly?

      Have you noticed how much stress money can bring to your life?

      There is a solution.

      You have to form a budget. A budget is simply a guide that helps you get where you are going financially. You may have goals and things you want to do, but you will never get there if you don't have a budget.

      The key is to find a budgeting format that works for you. Most people fail at budgeting at their first try and simply give up. One of the problems is that they are trying to fit their finances into a form or preset budget designed by someone else. This almost never works. We all live in areas with different costs of living. I can spend a lot less on groceries in Oklahoma than can someone who lives in New York City. The same goes for rent, insurance and entertainment costs. You have to look at what you are spending before you know what you can cut back to.

      Set yourself realistic goals. With a budget, you look at what you are currently spending and find ways to cut back. But you have to be realistic. You can't just allot yourself $100 a month for groceries when in reality you spend $400. That is where tracking your spending comes in handy. You are able to see what you are spending before you try to cut back.

      Most people never realize that they are living beyond their means until the debt begins to add up. Credit cards make it really easy to just spend without thinking. You need to know every day how much is left in your checking. If you use a credit card, make sure you know every day how much you owe on it. You should never charge more than you can pay off each month.

      It really is much easier on you to stop and spend five minutes every night writing down your spending for the day. This will eliminate the three hours you spend every other month trying to get the check book to balance. It saves you a lot of time and stress. Plus, you know exactly where you are in regards to your budget.

      There are many budgeting methods out there to consider. I am particularly fond of the cash/envelope method. I also like to use my budget as a way to make sure that all my bills are paid on time each month. I just go down the list and check them off. That way, if I don't receive a statement due to a computer glitch, I know that I need to pay the bill over the phone or other method.

      Budgeting helps you get things straight in your mind. You will be surprised how easier you sleep when you've taken a little time to focus on your finances. Budgeting helps you to save time, stress and money.


    • Raise your credit score with a help of Credit-Rocket! Read the Chase credit card reviews
    • Tired of high charges? Find the best database for credit cards! Read the fine print and find the Annual Percentage Rate (APR). This is the interest rate the companies charge you if you carry a balance. You want the lowest rate possible; as each percentage point drop will save you money on the months you have an outstanding balance.