Hudson Valley FCU Visa Signature Credit Card

Hudson Valley FCU Visa Signature Credit Card Review

This is a credit card issued by Hudson Valley Credit Union. If you're wondering whether Hudson Valley FCU Visa Signature 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 FCU Visa Signature Credit Card has a variable purchase APR that ranges from 13.25% up to 13.5%.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Multiple credit card benefits. Includes generous credit card perks, such as and fraud protection.
• Good or better credit required. You will have low approval odds if your credit score is below 680.

The Good	The Bad
Earn 25,000 bonus points. Potentially lower than average purchase APRs. Annual fee waived during the first year. Multiple credit card perks. No foreign transaction fee. Hudson Valley FCU Visa Signature Credit Card reports to multiple credit bureaus.	Requires good to excellent credit. Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase.

Does Hudson Valley FCU Visa Signature Credit Card have a cash back or rewards program?

No, it does not offer a rewards program. This card features rewards for purchases in the following categories:

What are the Hudson Valley FCU Visa Signature Credit Card benefits?

It provides the following benefits:

• Reports to major credit bureaus

What are the relevant APRs for Hudson Valley FCU Visa Signature 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 Signature Credit Card has a variable purchase APR that ranges from 13.25% up to 13.5%. The card has a variable balance transfer APR that ranges from 13.25% up to 13.5%. It also has a variable cash advance APR that ranges from 13.25% up to 13.5%.

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 FCU Visa Signature Credit Card?

The following fees apply:

Hudson Valley FCU Visa Signature Credit Card Fees

Fees	Amount
Annual Fee
Foreign Transaction Fee	0%
Late Payment Fee	up to $29

Does Hudson Valley FCU Visa Signature Credit Card report your account activity to credit bureaus?

Yes, Hudson Valley FCU Visa Signature Credit Card reports your account activity to the following credit reporting agencies:

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 Signature Credit Card

• Visit the Hudson Valley FCU Visa Signature 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.