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Business Credit Card Accounts

Our Business Visa Platinum credit card earns points in the HVCU Rewards! program1, and includes a host of Visa services such as Visa SavingsEdge®, online checkout with Visa, and mobile wallet services like Apple Pay.

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    Earn rewards for travel, cash back credit, charitable donations, gift cards, or merchandise rewards
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    Capability for faster, easier shopping
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    EMV smart chip technology adds extra layers of security

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Important Info About Opening a Business Account for a Legal Entity


Our Visa Platinum credit card offers the flexibility to control both spending and payments according to your business needs.

Add authorized users while controlling spending with individual or shared credit limits. Track and simplify expense records with custom options for consolidated or individual statement billing.


  • Up to $50,000 limit for qualified borrowers
  • Accepted at merchants and ATMs worldwide
  • One variable rate for purchases, balance transfers and cash advances
  • 25-day grace period
  • Individual or shared credit limit
  • Custom reconciliation of expenses for accounting and tax purposes
  • $1,000,000 in travel accident insurance

HVCU Rewards!

Use your Business Visa Platinum Credit Card and earn one point for every dollar spent on qualified purchases when using the “credit” option for signature-based transactions2.

If you have a Business Visa Debit Card you’ll also earn points in the HVCU Rewards! program, which can be combined with the points earned on your business credit card.


HVCU Rewards! offers you the freedom to choose the rewards you really want – whether travel, cash back credit, charitable donations, gift cards, or merchandise rewards. How and when you use your points is up to you.

Visa SavingsEdge

Save your business money the hassle-free way with Visa SavingsEdge. Simply make qualifying3 purchases with your enrolled HVCU business credit card and save automatically at many places you may already do business, such as:

Your discounts will appear as credits on future account statements. It couldn’t be simpler. Visit to enroll and to see a current list of participating merchants.

  • Days Inn
  • Advance Auto Parts
  • Godiva
  • Lenovo
  • Panera
  • Red Robin

Online Checkout with Visa


Visa makes it easy to complete your online purchases by eliminating the need to fill out lengthy checkout forms. Visa saves your billing, shipping, and credit card info so you don’t have to enter them each time you make an online purchase.

Once enrolled, simply enter your username and password whenever you see Visa's checkout icon. This checkout option works with HVCU personal and business credit cards and debit cards, and is compatible with any device – whether computer, tablet, or phone.

To enjoy faster online shopping, enroll today.


Visa Secure

When you shop online and see the Visa Secure badge on participating merchant sites, this means your online purchases are secured with Visa. Visa has developed a program that helps confirm your identity when you make an online purchase. This service helps make shopping online more secure by protecting against unauthorized use of your Visa card. Whether you’re using a desktop, mobile or other digital device, you may be guided through an additional check to verify your identity. This helps your issuer know you’re really you, and it better protects you from fraud.

Card Controls

Card Controls allows you to block and unblock transactions on your Visa Credit Card or Visa Debit Card at will -- offering you additional security that is completely self-service. When a card is blocked, no transactions are allowed, including purchases, cash advances, and even payments. Conversely, an unblocked card allows all transactions. When you register a card for Card Controls, you'll receive push notifications, text messages, or emails alerting you that there has been a transaction on your card.

You have complete control over the ability to block a card. If you card is lost or stolen you can immediately block the card to help prevent others from using it. If you are someone who likes strict security, you could even keep your cards in the locked state and only unblock them when you want to make a purchase. If your card is lost or stolen, we ask that you still contact us so that we can make arrangements to send you a replacement card.

If you registered for our Internet Banking or Mobile Banking services after 10/20/19, you can register for Card Controls via either service. Simply select the card you want to enroll, along with how you want to receive your notifications.

GoToMyCard Online Account Access

GoToMyCard gives you secure online access to your card account so you can:

  • Get your current account summary
  • Review card activity
  • View billing statements
  • Make a payment
  • And more

Log in to GoToMyCard directly at the GoToMyCard website, or from the Internet Banking log in area on our business homepage.

Membership Eligibility

Businesses located in Albany, Columbia, Dutchess, Greene, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Ulster, or Westchester Counties that have an HVCU business account are eligible to apply for business loans. Eligible businesses include: Sole Proprietorship/DBA (Doing Business As), Corporation, Subchapter “S” Corporation, Limited Liability Company (LLC), Partnership, and Limited Liability Partnership (LLP). Businesses are also required to be in operation for more than two years.

Businesses that have been in operation for less than two years may qualify for a loan through the United States Small Business Administration (SBA). HVCU is a certified lender for the SBA 7(a) Loan Guaranty Program and SBA Express Loans. Getting an SBA guarantee can make it easier for newer businesses to get funding.

1Your account must be open and in good standing (not over-the-limit or past due) to earn or redeem points.
2 PIN, Point-of-Sale, ATM transactions, cash withdrawal, and checks do not apply. Points are not be earned or accumulated for cash advances, convenience checks, traveler’s check purchases, finance charges, late fees, annual fees, over-limit fees, or transaction fees.
3 Visa SavingsEdge is an automated discount program offered by Visa U.S.A. Inc. to eligible businesses and their authorized cardholders that hold an eligible Visa Business card and whose enrollment in the program is accepted by Visa. Under the program, cardholders can receive discounts from participating merchants each time the cardholder uses an enrolled Visa Business card for qualifying purchases of goods or services pursuant to an active discount offered by the merchant and that transaction is processed or submitted through the Visa payment system. Visa may modify, restrict, limit or change the program in any way and at any time. Visa reserves the right at any time to suspend or cancel the program. Visa also reserves the right to suspend or cancel any cardholder’s participation in the program. Enrolled cardholders will only receive discounts for qualifying purchases that are in full compliance with the terms of the applicable discount offer. Discount offers may be subject to additional terms and conditions. Discount offers may be removed from the program at any time and are subject to availability. Discount offers are also subject to any applicable law or regulation that may restrict or prohibit certain sales. Discounts will not appear on a cardholder’s receipt at the point of sale. Discounts are provided in the form of credits posted to the cardholder’s applicable Visa Business card account. Please visit for complete details on the program, including the program terms and conditions. © 2008-2016 Visa. All Rights Reserved.