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  HFS Federal Credit Union Rewards Visa Credit Card

HFS Federal Credit Union Rewards Visa Credit Card

in Personal Credit Cards from HFS Federal Credit Union

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HFS Federal Credit Union Rewards Visa Credit Card

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in Personal Credit Cards from HFS Federal Credit Union

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Highlights
Purchase APR  (Variable APR) Up to 8.75%
Balance Transfer APR  (Variable APR) Up to 8.75%
Credit Score Range 650 - 850
Annual Fee $0

HFS Federal Credit Union Rewards Visa Credit Card Review

This is a rewards credit card issued by HFS Federal Credit Union. If you're wondering whether HFS Federal Credit Union Rewards Visa Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, travel accident insurance, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of HFS Federal Credit Union Rewards Visa Credit Card
The Good The Bad
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Travel accident and travel assistance insurance.
  • Cardholders can earn rewards on purchases everywhere HFS Federal Credit Union Rewards Visa Credit Card is accepted.
  • HFS Federal Credit Union Rewards Visa Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
HFS Federal Credit Union Rewards Visa Credit Card FAQ

Does HFS Federal Credit Union Rewards Visa Credit Card have a cash back or rewards program?

HFS Federal Credit Union Rewards Visa Credit Card is a rewards card.

HFS Federal Credit Union Rewards Visa Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does HFS Federal Credit Union Rewards Visa Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does HFS Federal Credit Union Rewards Visa Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the HFS Federal Credit Union Rewards Visa Credit Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Zero fraud liability
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for HFS Federal Credit Union Rewards Visa Credit Card?

It has a variable purchase APR of up to 8.75%.

The card has a variable balance transfer APR of up to 8.75%.

The card has a variable cash advance APR of up to 8.75%.

Does HFS Federal Credit Union Rewards Visa Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does HFS Federal Credit Union Rewards Visa Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for HFS Federal Credit Union Rewards Visa Credit Card?

The following fees apply:

HFS Federal Credit Union Rewards Visa Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $25
Late Payment Fee up to $25

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does HFS Federal Credit Union Rewards Visa Credit Card have a foreign transaction fee?

HFS Federal Credit Union Rewards Visa Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for HFS Federal Credit Union Rewards Visa Credit Card?

The HFS Federal Credit Union Rewards Visa Credit Card customer service number is (800) 216-2666.

Does HFS Federal Credit Union Rewards Visa Credit Card report your account activity to credit bureaus?

Yes, HFS Federal Credit Union Rewards Visa Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for HFS Federal Credit Union Rewards Visa Credit Card

  • Visit the HFS Federal Credit Union Rewards Visa Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:30am - 5:00am
  • Tuesday 8:30am - 5:00am
  • Wednesday 8:30am - 5:00am
  • Thursday 8:30am - 5:00am
  • Friday 8:30am - 5:00am
  • Saturday Closed

About HFS Federal Credit Union Rewards Visa Credit Card

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) Earn uChoose Rewards on every purchase.
Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $25
Paper Statement Fee $5
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) Up to 8.75%
Balance Computation A method called “average daily balance (including new purchases)”.
Purchase APR (Variable APR) Up to 8.75%
Balance Transfer APR (Variable APR) Up to 8.75%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Low Interest
Card Network Visa

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