Visa® Platinum Cash Rewards* Credit Card
- Earn up to 1% cash back on purchases.
- $0 annual fee.1
- $0 balance transfer fees.1
Please select an option below to apply for a loan.
Please note: To qualify for a Hudson Valley Credit Union account, you MUST live, work, worship, volunteer, or attend school in Albany, Columbia, Dutchess, Greene, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Sullivan, 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.
View Important Rates and Disclosures
Also available as a Visa Secured Credit Card - ideal to build and strengthen your credit. Contact us for more details.
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- Visa's Zero Liability Policy2: If your card or card number is ever stolen, notify us promptly of unauthorized use so we can have the issue corrected quickly.
- ID Navigator Powered by NortonLifeLockTM: Stay informed and have peace of mind. Tools included with your Visa card include: Dark Web Monitoring, Stolen Wallet Assist and One-Bureau Credit Monitoring Alerts. Confirm Card Eligibility.
- Visa Secure: Protect your Visa Debit Card and Credit Card online purchases with Visa Secure. This free service confirms your identity when you make online purchases. Visa Secure is just one more way that HVCU is committed to the security of your account(s).
- EMV Chip: An embedded microchip which generates a one-time use code for each transaction you make. The chip prevents your card from being counterfeited or used by someone else if lost or stolen.
- Contactless Card Technology: Tap your card at payment terminals for added security. Learn more about Contactless Payments.
- Card Management: Get extra security with our Card Management and Rewards feature within Internet Banking and Mobile Banking, which allows you to block and unblock transactions on your Visa card at will - offering additional security that is completely self-service.
- Visa's Zero Liability Policy2: If your card or card number is ever stolen, notify us promptly of unauthorized use so we can have the issue corrected quickly.
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- Rewards: Earn up to 1% on each purchase.
- Redeem: Cash reward automatically credited to card annually in October. Learn more at HVCU Rewards!
- Rewards: Earn up to 1% on each purchase.
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- Fast and Easy Checkout: Look for the Click to Pay icon when checking out to enjoy a secure online experience without having to fill out lengthy forms and remember a password. Enroll your Visa Platinum Cash Rewards credit card in Click to Pay.
- Online Services: Conveniently manage your account with a variety of online tools. Discover more about our Online Services.
- Complimentary 24/7 Assistance Service: Access Visa's toll free number 1.800.847.2911 any time for support.
- Extended Services: Including Travel and Emergency Services, Price Protection, Return Protection, and more.
- Fast and Easy Checkout: Look for the Click to Pay icon when checking out to enjoy a secure online experience without having to fill out lengthy forms and remember a password. Enroll your Visa Platinum Cash Rewards credit card in Click to Pay.
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Important Legal Disclosures & Information
Visa is a registered trademark of Visa International Service Association and used under license.
The tools and calculators on the HVCU website are provided for educational and illustrative purposes only. The accuracy of the calculations and their applicability to your financial circumstances are not guaranteed. HVCU does not provide tax, legal, accounting, financial, investment or other professional advice. The tools and calculators should not be used as a substitute for tax, legal, accounting, financial, investment or other professional advice. Your use of the tools or calculators does not assure the availability of, or your eligibility for, any specific product offered by HVCU or its affiliates. The terms and conditions of specific products may differ and affect the results obtained by using these tools and calculators. All financing is subject to credit approval. The default figures, amounts and information shown in the tools and calculators are hypothetical and may not be applicable to you. Please consult with qualified professionals to discuss your particular situation.
*Also available as a Visa Secured Credit Card.
1Foreign transaction fee is the exchange rate plus 1% of the transaction. Cash advance fee is 3% of the advanced amount. Please read the following disclosures that contain rate, fee, and other cost information related to HVCU credit cards.
2Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. You must notify us immediately of any unauthorized use. For specific restrictions, limitations and other details, please contact us.
Disclosures & Pricing For Cards Currently Issued:
Visa Platinum, Visa Platinum Rewards, Visa Signature, and Visa Platinum Rewards Pricing