SuperMoney
  Mid-Hudson Valley Federal Credit Union Visa Signature Rewards

Mid-Hudson Valley Federal Credit Union Visa Signature Rewards

in Personal Credit Cards from Mid-Hudson Valley Federal Credit Union

Unaffiliated

Mid-Hudson Valley Federal Credit Union Visa Signature Rewards

Unaffiliated

in Personal Credit Cards from Mid-Hudson Valley Federal Credit Union

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Mid-Hudson Valley Federal Credit Union Visa Signature Rewards to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Purchase APR  (Variable APR) 11.99% - 14.99%
Balance Transfer APR  (Variable APR) 8.74% - 11.74%
Credit Score Range 680 - 850
Annual Fee $0

Mid-Hudson Valley Federal Credit Union Visa Signature Rewards Review

This is a rewards credit card issued by Mid-Hudson Valley Federal Credit Union. If you're wondering whether Mid-Hudson Valley Federal Credit Union Visa Signature Rewards 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
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
  • Competitive APRs. Mid-Hudson Valley Federal Credit Union Visa Signature Rewards has a variable purchase APR that ranges from 11.99% up to 14.99%.
  • 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 Balance transfer fee. This card does not charge a fee on balance transfers. After the introductory period, the fee is 0%.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, 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 Mid-Hudson Valley Federal Credit Union Visa Signature Rewards
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • No balance transfer fee.
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty and price protection on purchases.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • Cardholders can earn rewards on purchases everywhere Mid-Hudson Valley Federal Credit Union Visa Signature Rewards is accepted.
  • Mid-Hudson Valley Federal Credit Union Visa Signature Rewards reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
Mid-Hudson Valley Federal Credit Union Visa Signature Rewards FAQ

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

Mid-Hudson Valley Federal Credit Union Visa Signature Rewards is a rewards card.

Mid-Hudson Valley Federal Credit Union Visa Signature Rewards Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus Spend Period (months) 3 months

Does Mid-Hudson Valley Federal Credit Union Visa Signature Rewards have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Mid-Hudson Valley Federal Credit Union Visa Signature Rewards offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Mid-Hudson Valley Federal Credit Union Visa Signature Rewards benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Trip Cancellation Insurance
  • Price Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Mid-Hudson Valley Federal Credit Union Visa Signature Rewards?

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 11.99% up to 14.99%. The card has a variable balance transfer APR that ranges from 8.74% up to 11.74%. It also has a variable cash advance APR that ranges from 8.74% up to 11.74%.

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

Does Mid-Hudson Valley Federal Credit Union Visa Signature Rewards have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 6 months.

Mid-Hudson Valley Federal Credit Union Visa Signature Rewards Balance Transfers
Description
Balance Transfer Fee % After Intro Period Starting at 0%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 8.74% - 11.74%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Does Mid-Hudson Valley Federal Credit Union Visa Signature Rewards have an intro APR offer on new purchases?

Mid-Hudson Valley Federal Credit Union Visa Signature Rewards Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.

What are the fees for Mid-Hudson Valley Federal Credit Union Visa Signature Rewards?

The following fees apply:

Mid-Hudson Valley Federal Credit Union Visa Signature Rewards Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $35
Late Payment Fee up to $35

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

Does Mid-Hudson Valley Federal Credit Union Visa Signature Rewards have a foreign transaction fee?

Mid-Hudson Valley Federal Credit Union Visa Signature Rewards charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Mid-Hudson Valley Federal Credit Union Visa Signature Rewards?

The Mid-Hudson Valley Federal Credit Union Visa Signature Rewards customer service number is (845) 336-4444.

What is the support contact email for Mid-Hudson Valley Federal Credit Union Visa Signature Rewards?

The support contact email for Mid-Hudson Valley Federal Credit Union Visa Signature Rewards is contactus@mhvfcu.com.

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

Yes, Mid-Hudson Valley Federal Credit Union Visa Signature Rewards 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 Mid-Hudson Valley Federal Credit Union Visa Signature Rewards

  • Visit the Mid-Hudson Valley Federal Credit Union Visa Signature Rewards 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 6:00am - 2:00am
  • Tuesday 6:00am - 2:00am
  • Wednesday 6:00am - 2:00am
  • Thursday 6:00am - 2:00am
  • Friday 6:00am - 2:00am
  • Saturday 6:00am - 11:00am

Other Services by Mid-Hudson Valley Federal Credit Union

Icon for Personal Credit Cards
View all personal credit cards offered by Mid-Hudson Valley Federal Credit Union

Availability

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

Feature Breakdown

Every Purchase (Points) Starting at 1
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 2%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 1%
Minimum Interest Charge $0.50
Returned Payment Fee Up to $35
Late Fee Amount Up to $35
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
  • 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
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Price Protection
  • Trip Cancellation Insurance
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 8.74% - 11.74%
Balance Computation Average daily balance
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 11.99% - 14.99%
Balance Transfer Fee % After Intro Period Starting at 0%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 8.74% - 11.74%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
Card Network Visa

Be the first to rate

 

Would you recommend Mid-Hudson Valley Federal Credit Union Visa Signature Rewards to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Personal Credit Cards

Mid-Hudson Valley Federal Credit Union Personal Credit Cards

Loading...