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  Hudson Valley Federal Credit Union Visa Signature Credit Card

Hudson Valley Federal Credit Union Visa Signature Credit Card

in Personal Credit Cards from Hudson Valley Credit Union

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Hudson Valley Federal Credit Union Visa Signature Credit Card

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in Personal Credit Cards from Hudson Valley Credit Union

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Highlights
Purchase APR  (Variable APR) 13.25% - 13.5%
Balance Transfer APR  (Variable APR) 13.25% - 13.5%
Credit Score Range 680 - 850
Annual Fee Up to $49

Hudson Valley Federal Credit Union Visa Signature Credit Card Review

This is a rewards credit card issued by Hudson Valley Credit Union. If you're wondering whether Hudson Valley Federal Credit Union 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.

Key Takeaways
  • Competitive APRs. Hudson Valley Federal Credit Union 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 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 Federal Credit Union Visa Signature Credit Card
The Good The Bad
  • Earn 25,000 bonus points.
  • Lower than average purchase APRs.
  • 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 Federal Credit Union Visa Signature Credit Card is accepted.
  • Hudson Valley Federal Credit Union Visa Signature Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
Hudson Valley Federal Credit Union Visa Signature Credit Card FAQ

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

Hudson Valley Federal Credit Union Visa Signature Credit Card is a rewards card.

Hudson Valley Federal Credit Union Visa Signature Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

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

This card doesn't offer a cash signup bonus.

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

This card doesn't offer a cash loyalty bonus.

What are the Hudson Valley Federal Credit Union 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 Federal Credit Union 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. It has lower than average regular APRs.

It 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.

Does Hudson Valley Federal Credit Union 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 Federal Credit Union 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 Federal Credit Union Visa Signature Credit Card?

The following fees apply:

Hudson Valley Federal Credit Union Visa Signature Credit Card Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 0%
Late Payment Fee up to $29

Does Hudson Valley Federal Credit Union 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.

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

Yes, Hudson Valley Federal Credit Union 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 Federal Credit Union Visa Signature Credit Card

  • Visit the Hudson Valley Federal Credit Union 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

  • Headquarters
  •   159 Barnegat Rd
    Poughkeepsie, NY 12601
  •   Visit Site

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 personal 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
  • Washington, DC
  • 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
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) 2 points per $1
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
No Annual Fee First Year
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee (%) Up to 2%
Annual Fee Up to $49
Late Fee Amount Up to $29
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 680 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Concierge
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Price Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 13.25% - 13.5%
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) 13.25% - 13.5%
Balance Transfer APR (Variable APR) 13.25% - 13.5%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
Card Network Visa

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