Always Cash Visa® Signature Rewards
The Always Cash Visa® Signature Rewards from Hawaii State Federal Credit Union earns up to 2.5% effective value on dining in Madeen's catalog snapshot. It has no annual fee. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 2.5%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Always Cash Visa Signature Rewards earn in each category?
Dining is the strongest category at 2.5% effective value (2.5% back). That dining rate ranks higher than about 80% of the 2,850 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 2.5% effective value (2.5% back). That dining rate ranks higher than about 80% of the 2,850 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2.5% back | 2.5% Top category |
| Grocery Supermarkets and grocery stores | 2.5% back | 2.5% |
| Gas Gas stations and fuel | 2.5% back | 2.5% |
| Travel Flights, hotels, transit | 2.5% back | 2.5% |
| Other General everyday spend | 2.5% back | 2.5% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Always Cash Visa Signature Rewards?
The Always Cash Visa Signature Rewards fits spenders who put meaningful volume in dining and can earn 2.5% back. Best for spenders who put meaningful volume in dining and can earn 2.5% back. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Always Cash Visa Signature Rewards fits spenders who put meaningful volume in dining and can earn 2.5% back. Madeen ranks its dining effective rate higher than about 80% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2.5% back.
Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 2.5% effective (2.5% back).
- That dining rate ranks higher than about 80% of cards we track in the category.
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Compare simpler no-fee cards if you want minimum complexity.
Does the Always Cash Visa Signature Rewards have an annual fee?
The Always Cash Visa Signature Rewards has an annual fee of $0 and a foreign transaction fee of None. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Always Cash Visa Signature Rewards?
The Always Cash Visa Signature Rewards includes 2.5% cash back, Auto Rental Coverage, Booking.com in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Global Entry Statement Credit
$120/yrApply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Priority Pass airport lounge access
$99/yrEnjoy access to over 1,700 airport lounges and experiences around the globe.
Auto Rental Coverage
$25/yrSave money by saying no at the counter – rent with your covered Hawaii State FCU Always Cash Visa Signature card and get built-in Auto Rental Coverage.
Cell Phone Protection
$25/yrWhen you pay your monthly wireless bill with your covered Hawaii State FCU Always Cash Visa Signature Rewards card, your cell phone is protected for the next calendar month. So, you can be reimbursed if your cell phone is stolen or damaged.
Golf Benefits from Troon Rewards®
$10/yrEnjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Roadside Dispatch®
$10/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Stay connected in over 175 countries
$10/yrEligible Visa cardholders can now use the GigSky app to access complimentary or discounted global mobile data, in 175+ countries and destinations worldwide as well as on over 200 of the world’s top cruise ships.
Travel and Emergency Assistance Services
$10/yrWhen you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
Universal Destinations & Experiences
$10/yrGet exciting benefits at Universal Studios Hollywood and Universal Orlando Resort when you pay with your Visa Signature® or Visa Infinite® card.
Visa Signature Concierge
$10/yrGet assistance with travel planning, entertainment tickets and more.
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Common questions about the Always Cash Visa Signature Rewards
Does the Always Cash Visa Signature Rewards have an annual fee?
The Always Cash Visa Signature Rewards carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Always Cash Visa Signature Rewards?
Dining is the strongest Madeen category for the Always Cash Visa Signature Rewards at about 2.5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Always Cash Visa Signature Rewards charge foreign transaction fees?
The Always Cash Visa Signature Rewards does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Always Cash Visa Signature Rewards?
Madeen's catalog lists a typical credit range of Good to Excellent for the Always Cash Visa Signature Rewards. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Always Cash Visa Signature Rewards?
Rewards on the Always Cash Visa Signature Rewards post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do I maximize rewards on the Always Cash Visa Signature Rewards?
To maximize the Always Cash Visa Signature Rewards, route dining and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout—no bank login required. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Always Cash Visa Signature Rewards compare to similar cards?
Compare the Always Cash Visa Signature Rewards against Hawaii State Federal Credit Union Business Visa Signature Rewards (1% on Dining, $0 fee); Hawaii State Federal Credit Union Visa Platinum Rewards (1% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Always Cash Visa Signature Rewards This card | Dining | 2.5% | $0 |
Hawaii State Federal Credit Union | Dining | 1% | $0 |
Hawaii State Federal Credit Union | Dining | 1% | $0 |
Where this card ranks
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