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  Hudson Valley FCU Visa Signature Credit Card
Hudson Valley FCU Visa Signature Credit Card Unaffiliated

Hudson Valley FCU Visa Signature Credit Card

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Highlights
Purchase APR  (Variable APR) 16.50% - 17.25%
(Verified 02/10/2023)
Balance Transfer APR  (Variable APR) 16.50% - 17.25%
(Verified 02/10/2023)
Credit Score Range 680 - 850
Annual Fee $0

Hudson Valley FCU Visa Signature Credit Card Review

This is a rewards 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.

Key Takeaways

  • Competitive APRs. Hudson Valley FCU Visa Signature Credit Card has a variable purchase APR that ranges from 16.50% up to 17.25%.
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • Annual fee waived the first year. Hudson Valley FCU Visa Signature Credit Card gives you the chance to have the card for a year without paying the $0 annual fee.
  • 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 rental insurance, access to a concierge, extended warranty protection on purchases, identity theft protection, price protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 680.

Pros & Cons of Hudson Valley FCU Visa Signature Credit Card

The Good The Bad
  • Earn 25,000 bonus points.
  • No annual fee.
  • Annual fee waived during the first year.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Extended warranty and price protection on purchases.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Hudson Valley FCU Visa Signature Credit Card is accepted.
  • Hudson Valley FCU Visa Signature Credit Card reports to multiple credit bureaus.
  • You need good credit to qualify.
  • Does not offer a signup bonus.

Hudson Valley FCU Visa Signature Credit Card FAQ

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

Hudson Valley FCU Visa Signature Credit Card is a rewards card.

Hudson Valley FCU Visa Signature Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

Does Hudson Valley FCU Visa Signature Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Hudson Valley FCU Visa Signature Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

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

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Trip Cancellation Insurance
  • Zero fraud liability
  • Price Protection
  • Travel Accident Insurance
  • Cell Phone Protection
  • Travel Assistance
  • 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.

Hudson Valley FCU Visa Signature Credit Card has a variable purchase APR that ranges from 16.50% up to 17.25%. The card has a variable balance transfer APR that ranges from 16.50% up to 17.25%. It also has a variable cash advance APR that ranges from 16.50% up to 17.25%.

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

Does Hudson Valley FCU Visa Signature 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 Signature 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 Signature Credit Card?

The following fees apply:

Hudson Valley FCU Visa Signature Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Late Payment Fee up to $25

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Hudson Valley FCU Visa Signature Credit Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Hudson Valley FCU Visa Signature Credit Card?

The Hudson Valley FCU Visa Signature Credit Card customer service number is (845) 463-3011.

What is the support contact email for Hudson Valley FCU Visa Signature Credit Card?

The support contact email for Hudson Valley FCU Visa Signature Credit Card is socialmedia@hvfcu.org.

What is the Hudson Valley FCU Visa Signature Credit Card login page?

You can access the Hudson Valley FCU Visa Signature Credit Card login page here.

How do people rate the customer service and user experience of Hudson Valley FCU Visa Signature Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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:

  • 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 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

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

Other Services by Hudson Valley Credit Union

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View all credit cards offered by Hudson Valley Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee (%) Up to 3%
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
No Annual Fee First Year
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 680 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Price Protection
  • Trip Cancellation Insurance
  • Fraud Liability
  • Cellular Telephone Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Concierge
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 16.50% - 17.25%
APR Type Variable APR
Balance Computation a method called “average daily balance” (including new purchases, cash advances and balance transfers).
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 16.50% - 17.25%
(Verified 02/10/2023)
Balance Transfer APR (Variable APR) 16.50% - 17.25%
(Verified 02/10/2023)
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
Card Network Visa

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Hudson Valley Credit Union Credit Cards

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