Cash Back You’ll Adore 💵❤️

Man and his dog with credit card at a table with a computer.

Earn 1.50% Cash Back Rewards on Every Purchase that Never Expire.

Rethink how you spend and make sure your everyday purchases are working a little harder for you. With the HFCU Visa Platinum Rewards Credit Card, you earn 1.50% cash back rewards on every purchase, turning routine spending into real value you’ll appreciate all year long.

Your rewards never expire, have no earning limit, and are ready when you are.

Why Choose an HFCU Rewards Credit Card:

Earn 1.50% Cash Back Rewards¹ on every purchase
2.99% Introductory APR² for six months
No cash advance or balance transfer fees³
No penalty rate for late payments
Free Card Alerts & Protection via the HFCU eTeller mobile app⁴
Easy reward redemption through eTeller Online, Mobile App, or in person

Redeem rewards automatically, save them for something big, or use them as you go, it’s your choice. And with multiple Visa Platinum options available, there’s a card designed to match your lifestyle and goals.

Apply for the card that loves you with cash back rewards. Apply today for your HFCU Visa Platinum Rewards Credit Card and start earning from day one.

Looking for different features?
HFCU offers a full lineup of Visa Platinum credit cards, each designed to fit different lifestyles, spending styles, and financial goals.

Apply online today for your new Visa Platinum Rewards credit card by clicking the button below, or by calling us at (346) 637-3189 or toll-free at 1-(866) 687-4328. Our Electronic Lending Team hours are Monday-Friday 9:00 a.m.-5:00 p.m. CT and Saturday 9:00 a.m.-2:00 p.m. CT.

Apply for a Credit Card

¹View HFCU Visa® Platinum Reward Program Terms and Conditions.opens a pdf

²APR is Annual Percentage Rate. Certain limitations, exceptions, and restrictions apply. The introductory rate is valid for six months. After the six months introductory period, the rate you receive will be variable, based on your credit history at the time of application; not to exceed 18% APR. The Variable Rate is based on an index, which is the Prime Rate as published in the Money Rates section of The Wall Street Journal on the last business day of the month and is subject to change monthly. Any change in the Index will be effective the first day of the first billing cycle immediately following the date of the change The Wall Street Journal Prime Rate since December 11, 2025 is 6.75% APR. There is a $50 annual fee with the Visa^® Prime Lock. The introductory rate is only available for new HFCU cardholders. Rates are subject to change without notice. HFCU is an equal opportunity lender. Credit Union membership is required before utilizing any product and/or service by establishing a savings account with $5. Must be eligible for membership. Other restrictions may apply. Additional details are available on www.houstonfcu.org or by speaking to a member service representative when you become a cardholder. See Credit Card Disclosure Information and Credit Card Agreement Information for terms and conditions.

³Interest accrues from posting date.

⁴Must have compatible device. Requires iPhone® with iOS 9.0 or above. Requires Android 4.1 or above. You are responsible for any fees from your carrier, and message and data rates may apply, check with your mobile carrier. Terms and conditions may apply. Contact HFCU for more information.

See Credit Card Disclosure Information and Credit Card Agreement Informationopens a pdf for terms and conditions.