Compare Credit Cards
Visa® Signature
Earn 25,000 bonus points1
REWARDS
2 points per $1 spent. Earn up to an additional 50,000 points annually4
REWARD REDEMPTION
Check out HVCU Rewards! Choose the rewards your really want. Points can be combined with your HVCU Visa Debit Card reward points.
ANNUAL FEE5
$0
BALANCE TRANSFER FEES5
$0
CASH ADVANCE FEES5
3% of advance amount
FOREIGN TRANSACTION FEES5
Exchange rate only
Apply Online
View Important Rates and Disclosures
Do you currently have a Hudson Valley Credit Union Account?
Please note: You may open accounts with Hudson Valley Credit Union if you live, work, worship, volunteer or attend school in Albany, Columbia, Dutchess, Greene, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Ulster, or Westchester County. If you do not have an account with Hudson Valley Credit Union, you will be required to open a Primary savings account with $0.01 when your loan is funded. Our loan applications prompt you to open an account, as applicable to your situation.
Visa® Platinum*
Introductory fixed rate 0.00% APR for first 12 months, variable rates as low as 16.25%-18.00% thereafter2
REWARDS
N/A
REWARD REDEMPTION
N/A
ANNUAL FEE5
$0
BALANCE TRANSFER FEES5
$0
CASH ADVANCE FEES5
3% of advance amount
FOREIGN TRANSACTION FEES5
Exchange rate +1% of transaction
Apply Online
View Important Rates and Disclosures
Do you currently have a Hudson Valley Credit Union Account?
Please note: You may open accounts with Hudson Valley Credit Union if you live, work, worship, volunteer or attend school in Albany, Columbia, Dutchess, Greene, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Ulster, or Westchester County. If you do not have an account with Hudson Valley Credit Union, you will be required to open a Primary savings account with $0.01 when your loan is funded. Our loan applications prompt you to open an account, as applicable to your situation.
Visa®
Platinum Rewards*
Earn 12,000 bonus points3
REWARDS
1 point per $1 spent
REWARD REDEMPTION
Check out HVCU Rewards! Choose the rewards you really want. Points can be combined with your HVCU Visa Debit Card reward points.
ANNUAL FEE5
$0
BALANCE TRANSFER FEES5
$0
CASH ADVANCE FEES5
3% of advance amount
FOREIGN TRANSACTION FEES5
Exchange rate +1% of transaction
Apply Online
View Important Rates and Disclosures
Do you currently have a Hudson Valley Credit Union Account?
Please note: You may open accounts with Hudson Valley Credit Union if you live, work, worship, volunteer or attend school in Albany, Columbia, Dutchess, Greene, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Ulster, or Westchester County. If you do not have an account with Hudson Valley Credit Union, you will be required to open a Primary savings account with $0.01 when your loan is funded. Our loan applications prompt you to open an account, as applicable to your situation.
Visa® PlatinumCash Rewards*
REWARDS
Earn up to 1% on each purchase
REWARD REDEMPTION
Cash reward automatically credited to card annually in October.
ANNUAL FEE5
$0
BALANCE TRANSFER FEES5
$0
CASH ADVANCE FEES5
3% of advance amount
FOREIGN TRANSACTION FEES5
Exchange rate +1% of transaction
Apply Online
View Important Rates and Disclosures
Do you currently have a Hudson Valley Credit Union Account?
Please note: You may open accounts with Hudson Valley Credit Union if you live, work, worship, volunteer or attend school in Albany, Columbia, Dutchess, Greene, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Ulster, or Westchester County. If you do not have an account with Hudson Valley Credit Union, you will be required to open a Primary savings account with $0.01 when your loan is funded. Our loan applications prompt you to open an account, as applicable to your situation.
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Important Legal Disclosures & Information
Visa is a registered trademark of Visa International Service Association and used under license.
*Also available as a Visa Secured Credit Card.
1You will receive 25,000 bonus points if you make $3,000 or more signature-based purchases within the first three months of opening an HVCU Visa Signature Credit Card. “Purchases” do not include balance transfers or cash advances. All other HVCU credit cards are excluded from this offer. After qualifying, please allow 4-6 weeks for bonus points to post to your account. Limit one bonus point offer per credit line. Your account must be open and in good standing (not over-the-limit or past due) to earn or redeem points.
2APR=Annual Percentage Rate. Make purchases, cash advances, and balance transfers from other non-HVCU creditors and enjoy a 0% APR for the first 12 months of Visa Platinum credit card account opening. Thereafter, the APR will revert to the variable rate in effect after the 12 month introductory period, currently 16.50% to 18.00% APR. Variable APRs vary with the market based on the Prime Rate. This 0% introductory offer is valid for new HVCU Visa Platinum credit card accounts only. All other credit cards, including Visa Secured, are not eligible for this offer and may be not be combined with any other offers or discounts unless otherwise expressly noted. No exceptions will be made or considered. This offer is not guaranteed if you do not meet our credit criteria and if your account is not in good standing. HVCU expressly reserves the right to terminate this offer at its discretion at any time and without further notice provided to you. Balance transfers are posted as cash advances and will begin accruing interest immediately after the 12 month introductory period ends. Rewards and/or rebates are not eligible with this offer. After introductory period, rates for this product are as low as stated and are determined by an evaluation of applicant credit; your rate may vary from the rate shown.
3You will receive 12,000 bonus points if you make $3,000 or more in purchases within the first three months of opening an HVCU Visa Platinum Rewards Credit Card. “Purchases” do not include balance transfers or cash advances. All other HVCU credit cards are excluded from this offer. After qualifying, please allow 4-6 weeks for bonus points to post to your account. Limit one bonus point offer per credit line. Your account must be open and in good standing (not over-the-limit or past due) to earn or redeem points.
4Annual Bonus Rewards: you can earn up to 50,000 HVCU Rewards! points when you use your Visa Signature credit card as follows: spend $25,000 - $49,999 annually to earn 25,000 points; spend $50,000 or more annually to earn an additional 25,000 points.
5Please read the following disclosures that contain rate, fee, and other cost information related to HVCU credit cards.
Disclosures & Pricing For Cards Currently Issued:
Visa Platinum, Visa Platinum Rewards, Visa Signature, and Visa Platinum Rewards Pricing