You can apply online for the Hudson Valley FCU Cash Rewards Visa Platinum, but you first have to be a credit union member. This Upstate New York-based credit union already has nearly 250,000 active members and a big portion of its business stems directly from servicing loan and credit card accounts.
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The Hudson Valley Federal Credit Union officially went into business in 1963. Credit unions are a viable financial alternative to banks–offering many different financial vehicles to help you manage your money. If you need advice on managing your financials, take a look at the University of New Hampshire’s Cooperative Extension’s website for managing money.
Hudson Valley FCU Cash Rewards Visa Platinum Credit Card Terms
When an established Hudson Valley FCU member submits a Hudson Valley FCU Cash Rewards Visa Platinum credit card application, the maximum amount of credit that can be extended is $20,000. The APR on this personal credit card varies from 13.25% to 18%.
Besides paying 1% interest in foreign transaction fees, the only other additional charges that Hudson Valley Federal Credit Union Cash Rewards credit cardholders are responsible for is a $29 late fee. The interest rate for balance transfers and cash advances is the same as the APR for regular purchases. Hudson Valley FCU has no charge for going over the credit limit or become 60 or more days delinquent.
Hudson Valley FCU Cash Rewards Visa Platinum Credit Card Benefits
There is no set amount of cash that can be gained when the Hudson Valley FCU Cash Rewards Visa Platinum is used; however, the more often that charges are made, the bigger the rewards will be. A yearly account maintenance fee is not attached this line of low interest credit cards.
This credit card also comes with the Hudson Valley FCU-sponsored Travel Advantage program. If a credit cardholder has issues related to travel such as lost baggage, stolen personal items, or a medical emergency, the Travel Advantage program immediately kicks in. This program is exclusive to Hudson Valley FCU Cash Rewards Visa Platinum accountholders.
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