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Our Visa® Credit Cards Create Possibilities


Eat, shop, spend…and make purchases easier on your wallet. With one of our five Visa® Credit Card options, it’s easier than ever to perform more of your everyday—and not so everyday activities.

Our Visa® Credit Cards offer numerous benefits, including a low introductory rate of 2.99% APR*, No Annual Fees, No cash advance or balance transfer fees, and exclusive benefits like annual cash back for making purchases you normally would throughout the year. Whether you want to earn rewards, transfer balances or build your credit, our variety of credit cards have you covered.

Explore Our Different Credit Card Options

As a cardholder, you can also enjoy the convenience and security of using Google Pay, Apple Pay and Samsung Pay with your Visa® Credit Card to make secure payments from your mobile device. Plus, receive automated text alerts about suspicious credit card activity when you register your card for our FREE HFCU CardAlerts** program.

See What’s Possible and Apply Today!

You can also call us at 281.243.0500, toll-free at 866.OUR.HFCU (687-4328), or stop by one of our convenient locations, and one of our knowledgeable and dedicated representatives can help you find the right credit card to fit your lifestyle.

*APR 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 March 15, 2020 is 3.25% APR. The introductory rate is only available for new HFCU cardholders. Rates are subject to change without notice. Credit Union membership is required before utilizing any product and/or service by establishing a savings account with $5.Additional details are available on or by speaking to a member service representative when you become a cardholder.
**The cell phone or mobile device must have the ability to send and receive text messages and the use of “short codes” must not be blocked. Short codes are special telephone numbers, often five digits long, which are used to send text messages from mobile phones. You are responsible for any text messaging fees from your carrier, message and data rates may apply. This service is available for the following carriers listed at: