Last Updated: 07/28/2025
Hudson Valley FCU Visa Signature Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
16.50% - 17.25%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
16.50% - 17.25%(Verified 06/21/2024)
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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
- APRs: Hudson Valley FCU Visa Signature Credit Card has a variable regular 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.
- $0 intro annual fee for 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 Auto Rental Collision Damage Waiver, access to a concierge, extended warranty protection on purchases, identity theft protection, price protection, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Hudson Valley FCU Visa Signature Credit Card
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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.
| Description |
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?
Hudson Valley FCU Visa Signature Credit Card 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 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 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee First Year? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 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 customer service number for Hudson Valley FCU Visa Signature Credit Card 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 login page for Hudson Valley FCU Visa Signature Credit Card?
You can access the login page of Hudson Valley FCU Visa Signature Credit Card 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 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 Signature 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 Signature Credit Card
- Visit the website of Hudson Valley FCU Visa Signature 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