HFS Federal Credit Union Visa Signature® Credit Card

HFS Federal Credit Union Visa Signature® Credit Card Review

This is a rewards card issued by HFS Federal Credit Union. If you're wondering whether HFS Federal Credit Union Visa is the right card for you, read on.

Key Takeaways

• Competitive APRs. HFS Federal Credit Union Visa Signature® Credit Card has a variable purchase APR that ranges from 15% up to 18%.
• 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.
• Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, price protection, travel accident insurance, travel assistance, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of HFS Federal Credit Union Visa

The Good

The Bad

Potentially lower than average purchase APRs. Has an introductory APR rate on balance transfers of 1.99%. No balance transfer fee. No annual fee. Multiple credit card perks. Offers Auto Rental Collision Damage Waiver. Extended warranty and price protection on purchases. Identity Theft Protection. Travel accident and travel assistance insurance. Cardholders can earn rewards on their purchases. HFS Federal Credit Union Visa Signature® Credit Card reports to multiple credit bureaus.

Does not offer a signup bonus. You don't earn rewards on every purchase.

HFS Federal Credit Union Visa FAQ

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

HFS Federal Credit Union Visa is a rewards card.

HFS Federal Credit Union Visa Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

What are the HFS Federal Credit Union Visa benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Price Protection
• Travel Accident Insurance
• Travel Assistance
• Reports to major credit bureaus

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

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

HFS Federal Credit Union Visa Signature® Credit Card has a variable purchase APR that ranges from 15% up to 18%. The card has a variable balance transfer APR that ranges from 15% up to 18%. It also has a variable cash advance APR that ranges from 15% up to 18%.

What are the fees for HFS Federal Credit Union Visa?

The following fees apply:

HFS Federal Credit Union Visa Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$
Initial Program Fee	$
Foreign Transaction Fee	%
Returned Payment Fee	Starting at $ up to $25
Late Payment Fee	Starting at 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 Visa Signature® Credit Card report your account activity to credit bureaus?

Yes, HFS Federal Credit Union Visa Signature® 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 Visa

• Visit the HFS Federal Credit Union Visa 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.