Hudson Valley Federal Credit Union Visa Platinum Credit Card Review

This is a credit card issued by Hudson Valley Credit Union. If you're wondering whether Hudson Valley Federal Credit Union Visa Platinum 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.

• Competitive APRs. Hudson Valley Federal Credit Union Visa Platinum Credit Card has a variable purchase APR that ranges from 11.25% up to 15.50%.
• 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.
• 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, extended warranty protection on purchases, purchase 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 600.

Does Hudson Valley Federal Credit Union Visa Platinum Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Hudson Valley Federal Credit Union Visa Platinum Credit Card benefits?

It provides the following benefits:

• 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 Federal Credit Union Visa Platinum Credit Card?

Hudson Valley Federal Credit Union Visa Platinum Credit Card has a variable purchase APR that ranges from 11.25% up to 15.50%. The card has a variable balance transfer APR that ranges from 11.25% up to 15.50%. It also has a variable cash advance APR that ranges from 11.25% up to 15.50%.

The good news is this card does not charge a penalty APR if you are late on a payment.

What are the fees for Hudson Valley Federal Credit Union Visa Platinum Credit Card?

The following fees apply:

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 Federal Credit Union Visa Platinum Credit Card report your account activity to credit bureaus?

Yes, Hudson Valley Federal Credit Union Visa Platinum 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 Hudson Valley Federal Credit Union Visa Platinum Credit Card

• Visit the Hudson Valley Federal Credit Union Visa Platinum 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.