Hudson Valley FCU Visa Signature Credit Card

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

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.

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?

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.

What are the fees for Hudson Valley FCU Visa Signature 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 rewards card.

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.