When you compare our incredible low rates and lucrative rewards program to other credit cards, you’ll immediately see how much you’ll save with our credit cards.


Credit Cards

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Visa® Platinum Rewards

Visa® Platinum Rewards includes a fantastic rewards program with cash back feature for every purchase you make, up to 1.50% on net retail purchases*. Available rewards will be displayed on your monthly Visa® Platinum Rewards Credit Card statement, or via online banking. Redeem your cash back rewards via online banking, mobile banking app, over the phone, or in person at one of our convenient locations.

Click here to download our HFCU Visa® Credit and Debit Card Features and Benefits brochure PDF.

1.50% Cash Back Rewards on every net retail purchase*
2.99% APR** introductory rate for the first six months
No Annual Fee
Rates as low as 11.49% APR
No balance transfer fees
No cash advance fees
No rate increases for late payments
No interest on purchases if entire balance is paid within 25-day grace period (Except cash advance – interest accrues from posting date)
And, zero liability for any unauthorized transactions!
Free HFCU Card Alerts and Protections service*** Sign up for HFCU Card Alerts and Protections
Visa® Click to Pay helps deter fraud through a retailers site. Sign up all your HFCU credit cards today!

Cash advances available at credit unions, banks, hotels, ATMs, etc. honoring Visa credit cards
Credit Life and Credit Disability Insurance Protection available for a nominal fee

Rates Below Effective: May 1, 2024

Visa® Platinum Rewards

Type APR** – Variable Rate as low as
Visa® Platinum Rewards 11.49%

View Credit Card Disclosure Information View Credit Card Agreement Information View Visa Platinum Rewards Card Program Terms and Conditions

*Certain Restrictions do apply. Cash Back Rewards will accrue beginning on the first date after the monthly billing cycle starting January 2020. Please refer to the HFCU Visa Platinum Rewards Card Program Terms and Conditions. Cash back is not eligible on Finance Charges, fees, cash advances (including purchase of crypto currency and foreign currency), convenience checks, PIN-based purchases, payment of existing card balances, balance transfers, ATM transactions and Interlink-processed transactions. Cash Back Rewards are based on the net retail purchase transaction volume (i.e., purchases less credits, returns and adjustments) charged to the Visa Platinum Rewards Card during each day by the Cardholder. The Visa Platinum Rewards Card program is void where prohibited by federal, state, or local law. HFCU reserves the right to change the terms and conditions as well as the Cash Back Rewards required for a reward within the Visa Platinum Rewards Card Program. Please visit, or speak with an HFCU Member Service Representative for more details.
**APR is Annual Percentage Rate. Rates are subject to change monthly. The 2.99% Introductory APR applies to purchases, balance transfers, and cash advances for the first six billing cycles and is offered to first-time credit card applicants only. Stated rate applies to well-qualified applicants. Details will be provided 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.

To activate your HFCU Visa Credit Card please contact one of the following numbers:
800-290-7893 (for calls made inside the U.S.A.)
206-682-2462 (for calls made outside the U.S.A.)

If your HFCU Visa Credit Card has been lost or stolen please contact one of the following numbers:
888-297-3416 (for calls made inside the U.S.A.)
206-389-5200 (for calls made outside the U.S.A.)

Declined Credit Card and Debit Card Transactions
If one of your credit card transactions or debit card transactions (where you selected the credit option instead of using your PIN on your debit card) was declined, please call the following phone number for assistance:

3-D Secure by Visa

You can also detach your payment slip, and submit your credit card payments to the following address:
P.O. BOX 19609
Sugar Land, TX 77496