Gather FCU Signature Visa (HI only)

Bockrocker · ‎09-19-2026

https://www.gatherfcu.org/signature

Here's another card I meant to post about, but forgot. This FCU is restricted to HI but the card has a unique combination not generally seen together:

$250 SUB

2% base rewards

5% rotating categories on top

It does seem that rewards are paid out annually, which is a small bummer.

HI is also home to the previously discussed Hawaii State 2.5% card: https://hawaiistatefcu.com/personal/cards/credit-cards/

ptatohed · ‎09-19-2026

Great stuff! Too bad geo restricted. But still always nice to know what is out there. Thanks Bock!

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

Groovy · ‎09-21-2026

Hawaii State has a way to become a member through making a charitable donation to either Friends of the Library Hawaii or The Friends of Iolani Palace to earn access to all the benefits of becoming an HSFCU member but I dont know how much is required for membership.

ptatohed · ‎09-21-2026

@Groovy wrote:
Hawaii State has a way to become a member through making a charitable donation to either Friends of the Library Hawaii or The Friends of Iolani Palace to earn access to all the benefits of becoming an HSFCU member but I dont know how much is required for membership.

I'm not quite sure what you are saying. You list a way to become a member but then end with you're not sure what is required for membership? Can you please clarify? Thanks.

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

Kforce · ‎09-21-2026

Hawaii State has a way to become a member through making a charitable donation to either Friends of the Library Hawaii or The Friends of Iolani Palace

.and.

From web site: "Hawaii residency required for new accounts"

****

The Gather FCU states:

"Membership is open to anyone who lives, works, worships, attends school,

or operates a business on the islands of Kauai or Ni‘ihau"

Both are Geo locked even with membership.

Gather for only two islands.

Might be of interest to just a select few.

PS: As of the 2020 U.S. Census, The Island of "Niʻihau" has 84 residents.

Vinjints · ‎09-21-2026

NFCU OG Flagship (Daily Driver) | USAA Rewards (1999 Hooptie)

AmEx BCP (Groceries) | Aven Rewards (Groceries) | Chase Prime (Amazon) | Citi Custom Cash (Dining) | Elan MCP (Utilities)

EX(F8) 780 | EQ(F8) 802 | TU(F8) 796 | EQ(BC8) 810 | EX(10T) 782

Kforce · ‎09-21-2026

@Vinjints wrote:

Yes

(Kauai+ Ni‘ihau)/USA
(73360+84)/349413421 = 0.00021