The flexibility to control both spending and payments according to your business needs. Purchase inventory and supplies, cover operating expenses, and have access to short-term financing with an HVCU Business Visa® Platinum Credit Card.
Pricing and Terms
Rate Agreement and Disclosure
Earn points and redeem for office products, electronic equipment, gift cards for staff recognition—or treat yourself to cash back or travel.2
15.75% APR | $0 Annual Fee | Up to $50,000 Limit for Qualified Borrowers
Introductory points offer for new card members
Open a new credit card and receive 12,000 bonus points when you spend $3,000 in the first three months.1
Continue using your card, and earn 1 HVCU Rewards! point for every $1 dollar spent on qualified purchases.2
Custom reconciliation of receivables and payables for accounting and taxes.
Safeguard your accounts
Stay on top of your account with online tools, such as account access through Internet Banking and Mobile Banking, online checkout with Visa, and Visa Secure.
Employee cards at no additional cost
Control spending with individual or shared credit limits and earn rewards faster.
Discounts where you shop most
Enroll in Visa SavingsEdge
and start collecting credits.3
Align Rewards With Your Business Needs
- Apply cash back to statements. Or use it for yourself or your business.
- Skip the trip to the store. Order gift cards ahead of the holidays or major milestones for staff recognition.
- Stock up on office supplies. Browse through top brand electronics and merchandise.
- Save $$ on flights, hotels, car rentals and more. Find and use discounts for your next business trip.
Log in to Internet or Mobile Banking for a full list of redemption categories.
Full Oversight of Your Accounts
Secure online access where you can manage your accounts and payments, get real-time account summaries, view billing statements, review card activity, set employee card limits, and more. Log in to Internet Banking or Mobile Banking to get started.
Secure Your Transactions
Advanced security for your online purchases. Visa Secure ensures that payments are made by the rightful owner of the Visa account. Look for the badge on participating merchant websites and protect your card against unauthorized use when you shop online.
The online checkout has evolved. Eliminate the hassle in the checkout process by enrolling in Visa® Checkout
to make shopping at your favorite websites simple. With it, you have a single account that you can use on any site that accepts Visa Checkout. You only need to enter your username and password to make your purchase. And with Visa Checkout, your shipping and payment details are entered automatically.
Contactless Payments with Your Mobile Wallet
Your transactions are safe and confidential. Merchants will never receive any part of your specific credit or debit card information, such as your name, card number, security code, etc. Make purchases confidently anywhere you can swipe or tap your Visa® Debit and Visa credit cards. Learn more about contactless payments.
Make Payments Safer for Your Customers
We’ve teamed up with Heartland, to offer innovative payment and point of sale solutions to help you streamline operations, increase productivity, and make payments easier for your customers. Learn more about Heartland.
Discover Additional Rewards & Benefits
Important Info About Opening a Business Account for a Legal Entity
Business looking to apply for an HVCU Business Visa® Platinum Rewards Credit Card must be located in one of the 12-counties in HVCU’s field of membership
If you have been in operation for less than two years, you may qualify for a loan through the U.S. Small Business Administration (SBA). HVCU is a certified lender for the SBA. If you are ineligible for a credit card, we can discuss funding options through the SBA 7(a) Loan Guaranty Program or through an SBA Express Loan.