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Discover the Difference with Five Visa Credit Card Options


When it comes to choosing a new credit card, too many options can be complex and overwhelming. That’s why HFCU offers five simple solutions to suit every lifestyle and credit need. Plus, upon approval no matter the card you choose, you’ll benefit from 2.99% APR* introductory rate, NO cash advance or balance transfer fees,** NO rate increase for late payments, and you’ll have the ability to protect yourself against fraud and bring added value to your personal finances with HFCU’s FREE Card Alerts and Protections Service. ***

Whether you’re looking to earn cash back for all of your everyday spending, seeking a lower rate to transfer balances to, or trying to build (or rebuild) your credit, HFCU has a Visa® credit card that is right for you!

Visa® Platinum Advantage comes with a low-interest rate that is very affordable and convenient for our members!

Visa® Platinum Rewards includes a fantastic rewards program with 1.50% cash back rewards on qualifying purchases.****

Visa® Prime Lock is equal to the current Prime Rate without any added margins. There is a $50 annual fee for Visa Prime Lock Card and additional qualifications may apply.

Visa® Platinum Family is an ideal solution for families. Family members as young as 13 receive their own card, while the primary cardholder has control over credit limits, and everyone shares one line of credit.

Visa® Secured can help if you’re experiencing credit challenges such as; little to no credit or paying a high interest rate. With a credit line up to $2,500, that’s secured by the money you deposit in your share account, you can begin building your credit history.

Apply for Your Visa® Credit Card Today »

Our application process is quick, easy, and only takes a few minutes! You can apply online, by clicking the button above, or by calling us at 281-243-0555 or toll-free at 1-(844)-VIP-HFCU. Our Electronic Lending Team hours are Monday-Friday 9:00 a.m.-7:00 p.m. and Saturday 9:00 a.m.-2:00 p.m.

*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. . 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 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.
**Interest accrues from posting date.
***HFCU Card Alerts and Protections Service-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.
****"HFCU Visa Platinum Rewards Card Program Terms and Conditions":