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HVCU Rewards!

Earn points for every qualified Visa transaction you make when you use your HVCU Visa® Debit Card or HVCU Visa Platinum Rewards Credit Card. Points can be redeemed for a variety of rewards1, giving you the freedom to choose the rewards you really want. How and when you use your HVCU Rewards! points is up to you.

  • Credit Card icon

    Earn points when you use your HVCU Visa® Debit Card

    Earn one point for every $5 spent on signature-based / credit transactions2,3

  • Earning Points

    Earn points when you use your HVCU Visa® Platinum Rewards Credit Card

    Earn one point for every $1 3

Your HVFCU Rewards

Your Rewards!

So many options for your reward points.

Merchandise Rewards

Brand-name merchandise: electronics, housewares, jewelry, fitness, and gourmet foods.

Travel Rewards

Airline tickets, hotel accommodations, rental car certificates, cruises, and vacation packages.

Gift Cards

Dining, entertainment, fuel, shopping, salon, and spa.

Cash Back

Cash credited to your account.

Charitable Donations

Use your points for a greater good by selecting CharityChoice gift cards.

Bonus Points & Additional Discounts

HVCU Rewards! also offers you three additional opportunities to grow your point balance:

Earn 5x points at our Perks Points Mall

Shop our online network of over 800 top national and regional merchants and earn 5x points on all purchases made online through the Perks Points Mall.

Earn 3x points at our More Points superstore

Browse through thousands of brand name merchandise items and choose from top gift card retailers. For every $1 you spend in More Points, you will earn an additional three points.

Enjoy extra savings with our Daily Deals

Shop our Daily Deals for deals on apparel, health and beauty, entertainment, travel, toys and games, and much more.

The Perks Points Mall, More Points superstore, and Daily Deals are all available when you go to HVCU Rewards.

Bonus Points

Get More from Your HVCU Rewards!

  • Free, automatic program enrollment with your Visa Platinum Rewards Credit Card and Visa Debit Card.
  • Combine Visa Debit Card and Visa Platinum Rewards Credit Card points for greater reward options.
  • View your earnings history and redeem your points online.
  • Points are valid for three years.

If you receive a replacement credit or debit card,

your HVCU Rewards! points are automatically transferred to your new card.

Your account must be open and in good standing

(not over-the-limit or past due) to earn or redeem points.

If you return a purchase or are refunded a disputed transaction,

the points you earned as a result of that purchase are deducted from your HVCU Rewards! point balance total.

When you use your Visa Debit Card for automatic payments,

HVCU Rewards! points are earned if the payments are processed as “credit” transactions

When using Privilege Pay,

HVCU Rewards! points are earned if your Visa Debit Card is processed as a “credit” transaction.


You can reach HVCU Rewards! Customer Service at any time by calling 866.678.5189 . They have an interactive voice response system that lets you:

  • Check your point balance
  • Book travel or inquire on an existing reservation
  • Place an order for merchandise or gift cards

You can also speak with a live representative regarding merchandise orders, 24/7. Travel representatives are available Monday – Friday, 6 am – 1 am ET and Saturday & Sunday, 7 am – 11 pm ET.

For additional information about HVCU Rewards!, please refer to our terms and conditions.

1Your account must be open and in good standing (not over-the-limit or past due) to earn or redeem points.
2Visa Debit Card reward points require signature-authorized transactions to earn points. PIN-based, point-of-sale, ATM transactions, cash withdrawals, and checks do not earn points.
3Points 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.