The Mid-Hudson Valley Federal Credit Union Visa Platinum credit card is not a credit card for people with bad credit. In fact, the APR for this credit card suggests that you must have very good to excellent credit in order to qualify.
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This is also not a rewards credit card. However, the MHV FCU does offer its Platinum Plus Rewards credit card with almost the same terms as the Platinum credit card, if you prefer a rewards credit card option. Keep reading to learn more about the features and benefits of this credit card so you can determine if it’s right for you.
Mid-Hudson Valley FCU Visa Platinum Credit Card Features
One of the first features you’ll like about this credit card is the fact that it has a fairly decent credit limit for those of you who qualify. The maximum credit limit for this credit card is $30,000, with the minimum credit limit being $5,000.
This credit card also offers rental car insurance. This insurance only applies if you use your credit card to rent your vehicle. This coverage actually covers any level of insurance, which means that if you rented a sports car, the cost of damages would be covered.
Another feature for this credit card is the $1,000,000 in travel accident insurance. Again, this coverage applies when you pay for your travel using your credit card. This could cover flights, cruises, trains, or when you’re driving a rental car.
When you use your credit card to pay for your travel, you will also qualify for emergency assistance. This could mean anything from getting directions to getting access to a local doctor.
Lastly, more and more Visa credit cards offer extended warranty coverage. This coverage doubles the warranty for your product. What this means is if you buy a product with a three-year warranty, your Visa card covers you for an additional three years.
Mid-Hudson Valley FCU Visa Platinum Credit Card Terms
The MHV FCU Visa Platinum credit card offers a great fee structure. This credit card has no annual fee, and the only transaction fee that applies to this Visa Platinum credit card is the cash advance fee of 2% or $2, whichever is greater.
You’ll also find that the MHV FCU Visa Platinum credit card has great interest rates.The APRs for this credit card are 5.75% plus the prime rate and 8.75% plus prime. What this means is that the rate is variable. If the prime rate for credit should change, then your interest rate would also change by the same amount.
Mid-Hudson Valley FCU Visa Platinum Credit Card Verdict
The MHV FCU Visa Platinum credit card offers a lot of great features. From low interest rates to manageable terms, this card is something you should consider. The one downside is that you must qualify for membership to the MHV FCU first in order to qualify for an application.
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