Visa® Platinum* Credit Card

Introductory Offer

  • Introductory 0.00% APR for first 12 months, variable rates as low as 16.50%-18.00% APR thereafter.1
  • $0 annual fee.2
  • $0 balance transfer fees.2


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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.


Features and Benefits

    • Visa's Zero Liability Policy3: 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: Know what to do when your identity is threatened. 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:  The embedded microchip 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. 
    • Fast and Easy Checkout: Enroll your Visa Platinum credit card in Click to Pay to enjoy a secure online experience without having to fill out lengthy forms and remember a password. 

    • Online Services: Conveniently manage your account with a variety of online tools. Discover more about our Online Services.


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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.

1APR=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 the 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.

2Foreign 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.

3Visa’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:

Variable Rate Credit Card Agreement and Truth in Lending Disclosure - Visa Platinum, Visa Platinum Rewards, Visa Signature, and Visa Platinum Cash Rewards

Visa Platinum, Visa Platinum Rewards, Visa Signature, and Visa Platinum Rewards Pricing