Last Updated: 07/28/2025
Hudson Valley FCU Visa® Platinum Cash Rewards
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
17.50% - 18%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
17.50% - 18%(Verified 06/21/2024)
Credit Score Range
650 - 850
Annual Fee
$0
Hudson Valley FCU Visa® Platinum Cash Rewards Review
This is a cashback credit card issued by Hudson Valley Credit Union. If you're wondering whether Hudson Valley FCU Visa® Platinum Cash Rewards is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 17.50% up to 18%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible 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 up to 1% every time you make a transaction outside the U.S.
- 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, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Hudson Valley FCU Cash Rewards
| The Good | The Bad |
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Hudson Valley FCU Cash Rewards FAQ
Does Hudson Valley FCU Cash Rewards have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
Does Hudson Valley FCU Cash Rewards have a signup bonus?
This card doesn't offer a cash signup bonus.Does Hudson Valley FCU Cash Rewards offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Hudson Valley FCU Cash Rewards benefits?
Hudson Valley FCU Visa® Platinum Cash Rewards provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Hudson Valley FCU Cash Rewards?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Hudson Valley FCU Visa® Platinum Cash Rewards has a variable purchase APR that ranges from 17.50% up to 18%. The card has a variable balance transfer APR that ranges from 17.50% up to 18%. It also has a variable cash advance APR that ranges from 17.50% up to 18%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Hudson Valley FCU Cash Rewards have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Hudson Valley FCU Cash Rewards 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 Hudson Valley FCU Cash Rewards?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Hudson Valley FCU Cash Rewards have a foreign transaction fee?
Hudson Valley FCU Cash Rewards charges a foreign transaction fee of up to 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 Hudson Valley FCU Cash Rewards?
The customer service number for Hudson Valley FCU Cash Rewards is (845) 463-3011.
What is the support contact email for Hudson Valley FCU Cash Rewards?
The support contact email for Hudson Valley FCU Cash Rewards is socialmedia@hvfcu.org.
What is the login page for Hudson Valley FCU Cash Rewards?
You can access the login page of Hudson Valley FCU Cash Rewards here.
How do people rate the customer service and user experience of Hudson Valley FCU Cash Rewards?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Hudson Valley FCU Visa® Platinum Cash Rewards report your account activity to credit bureaus?
Yes, Hudson Valley FCU Visa® Platinum Cash Rewards reports to the following credit bureaus:
- 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 build your credit.
Does Hudson Valley Credit Union perform a hard credit pull?
Yes, Hudson Valley FCU Cash Rewards performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Hudson Valley FCU Cash Rewards
- Visit the website of Hudson Valley FCU Cash Rewards.
- 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.
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Hours of Operation
Sunday
Closed
Monday
8:30AM - 7:00PM
Tuesday
8:30AM - 7:00PM
Wednesday
8:30AM - 7:00PM
Thursday
8:30AM - 7:00PM
Friday
8:30AM - 7:00PM
Saturday
9:00AM - 5:00PM