Hudson Valley FCU Visa Platinum Credit Card
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| Purchase APR (Variable APR) | 11.25% - 15.50% |
| Balance Transfer APR (Variable APR) | 11.25% - 15.50% |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Hudson Valley FCU Visa Platinum Credit Card Review
This is a credit 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
- Competitive APRs. Hudson Valley FCU 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.
Pros & Cons of Hudson Valley FCU Visa Platinum Credit Card
| The Good | The Bad |
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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.
What are the Hudson Valley FCU 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 FCU Visa Platinum Credit Card?
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.Hudson Valley FCU 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.
Does Hudson Valley FCU Visa Platinum Credit Card 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 Visa Platinum 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 Hudson Valley FCU Visa Platinum Credit Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 1% |
| Late Payment Fee | up to $29 |
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 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 Hudson Valley FCU Visa Platinum Credit Card customer service number 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 Hudson Valley FCU Visa Platinum Credit Card login page?
You can access the Hudson Valley FCU Visa Platinum Credit Card login page 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 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 FCU Visa Platinum Credit Card
- Visit the Hudson Valley FCU 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.
Contact
- Headquarters
-
159 Barnegat Rd
Poughkeepsie, NY 12601 USA - (845) 463-3011
- Visit Site
- Email Support
Other Services by Hudson Valley Credit Union
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
| Cash Advance Fee (%) | Up to 2% |
| Foreign Currency Transaction Fee | 1% |
| No Annual Fee | |
| Annual Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Late Fee Amount | Up to $29 |
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