Last Updated: 07/28/2025
Hudson Valley FCU Visa Platinum Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
15.50% - 18%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
15.50% - 18%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
600 - 850
Annual Fee
$0
Hudson Valley FCU Visa Platinum Credit Card Review
This is a card issued by Hudson Valley Credit Union. If you're wondering whether Hudson Valley FCU Visa Platinum Credit Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 12 months, which is the average period for 0% APR balance transfer cards.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 12 months.
- APRs: Hudson Valley FCU Visa Platinum Credit Card has a variable regular purchase APR that ranges from 15.50% up to 18%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers.
- 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, extended warranty protection on purchases, purchase security, travel accident insurance, travel assistance, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Hudson Valley FCU Visa Platinum Credit Card
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Hudson Valley FCU Visa Platinum Credit Card FAQ
Does Hudson Valley FCU Visa Platinum Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Cell Phone Protection
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Hudson Valley FCU Visa Platinum Credit Card?
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 Credit Card has a variable purchase APR that ranges from 15.50% up to 18%. The card has a variable balance transfer APR that ranges from 15.50% up to 18%. It also has a variable cash advance APR that ranges from 15.50% 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 Visa Platinum Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 15.50% - 18% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Hudson Valley FCU Visa Platinum Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 12 months.
What are the fees for Hudson Valley FCU Visa Platinum Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Hudson Valley FCU Visa Platinum Credit Card have a foreign transaction fee?
Hudson Valley FCU Visa Platinum Credit Card 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 Visa Platinum Credit Card?
The customer service number for Hudson Valley FCU Visa Platinum Credit Card is (845) 463-3011.
What is the support contact email for Hudson Valley FCU Visa Platinum Credit Card?
The support contact email for Hudson Valley FCU Visa Platinum Credit Card is socialmedia@hvfcu.org.
What is the login page for Hudson Valley FCU Visa Platinum Credit Card?
You can access the login page of Hudson Valley FCU Visa Platinum Credit Card here.
How do people rate the customer service and user experience of Hudson Valley FCU Visa Platinum Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Hudson Valley FCU Visa Platinum Credit Card report your account activity to credit bureaus?
Yes, Hudson Valley FCU Visa Platinum Credit Card 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 Visa Platinum Credit Card 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 Visa Platinum Credit Card
- Visit the website of Hudson Valley FCU Visa Platinum Credit Card.
- 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