With nearly 20 branches located throughout New York State, Hudson Valley Federal Credit Union (HVFCU) offers many banking products and services to its customers. In addition to traditional products such checking, savings, and loans, HVFCU offers three different Visa Platinum cards, all with their own benefits and perks.
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In addition to the Point Rewards Visa Platinum credit card, HVFCU also offers the traditional Visa Platinum card as well as the Cash Rewards Visa Platinum. While the cash rewards card helps you earn cash back with every qualifying purchase, the Visa Platinum offers the some of the lowest APR credit cards.
HVFCU Point Rewards Visa Platinum Credit Card Interest Rates and Fees
Depending on the current Prime rate, the annual percentage rate of the HVFCU Point Rewards Visa card varies between 12.25% and 18.00%. This interest rate is consistent across the board with balance transfers and cash advances as well.
Like the other cards offered by HVFCU, the credit limit for the Point Rewards Visa card can be as high as $20,000. There is also no fee charged to transfer a credit card balance, and HVFCU does not charge an annual fee. However, there can be a late payment charge of $29.
If you are not sure where to start when looking for a credit card, look at free available resources such as the Better Business Bureau. There are a variety of tips on the BBB website, including one on “Choosing the Right Kind of Card for You.”
HVFCU Point Rewards Visa Platinum Credit Card Rewards Options
In order to earn reward points with the HVFCU Point Rewards Visa, you must use your card to make certain qualifying purchases. When this is done, you earn one ScoreCard Bonus Reward Point for each dollar spent. Rewards credit cards work by allowing you to redeem points for a variety of different items, including gifts, merchandise, and travel certificates.
Other benefits of the card include Visa’s fraud protection, travel accident insurance, and car rental insurance (when you use your card), as well as protection against unauthorized purchases made on your card.
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