American Savings Bank Platinum Edition Visa Card

Card Details
Rewards	None.
Signup Bonus	None.
Annual Fee	None
Cardmember Agreement	View Here
Cash Advance APR	29.99% (APR is subject to change)
Cash Advance Fee	Either $10 or 5% of the cash advance amount, whichever is greater.
Late Payment Fee	Up to $41 based on BestCards’ breakdown
Purchases APR	19.24% to 29.24%, based on your creditworthiness (APR is subject to change)
* Card terms and offers are subject to change. Confirm current details with the issuer.

CARD OVERVIEW

The American Savings Bank Platinum Edition Visa is recognized as a straightforward, no-rewards card that prioritizes low costs over perks. There’s no annual fee, no sign-up bonus, and no fancy travel benefits — it’s more of a straightforward option for everyday spending or balance-transfer seekers.

Most users say they like the predictability of the card. Many reviewers mentioned that the fees are reasonable for a non-rewards card and that ASB’s local Hawaii-based customer service tends to be responsive. A few people also appreciate that it’s less “busy” than rewards cards — no categories to track, no points to manage.

On the downside, cardholders often complain that the lack of rewards makes it feel outdated compared to national cards from competitors. Others point out the high cash-advance APR and fees, noting that it’s not ideal if you ever need quick cash from your credit line. Some reviewers also say that with no intro APR promotions, it doesn’t stand out for balance transfers either.

Personally, I think this card works best for ASB customers who want a basic, no-frills Visa they can manage through their existing bank. But if you’re looking for rewards, travel perks, or strong intro offers, better options are definitely out there.