Hudson Valley Credit UnionVisa® Platinum RewardsRegistry illustration · issuer artwork unavailable
Visa® Platinum RewardsHudson Valley Credit Union · federal credit union, NY · NCUA 24984
CurrentLast observed Oct 14, 2026Source date Oct 13, 2026Official issuerCredit card · Consumer · VisaNetwork stated on issuer website
Foreign fee
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Grace period
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Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchases | 15.75%–18% variableHUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | “15.75% to 18.00%”HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | Website |
| APR for balance transfers | 15.75%–18% variableHUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | “15.75% to 18.00%”HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | Website |
| APR for cash advances | 15.75%–18% variableHUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | “15.75% to 18.00%”HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | Website |
| Penalty APRafter a late or returned payment | — | no source read | |
| Paying interestgrace period on new purchases | — | no source read | |
| Annual fee | $0 annual feeHUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | “$0 annual fee”HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | Website |
| Transaction fees | |||
| Cash advance | — | no source read | |
| Balance transfer | — | no source read | |
| Foreign transaction | — | no source read | |
| Penalty fees | |||
| Late payment | $25, $25HUDSON VALLEY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “$25”HUDSON VALLEY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Returned payment | — | no source read | |
| APR qualificationsBalance transfer · Regular; Cash advance · Regular; Purchase · Regular | 15.75% to 18.00%HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | “15.75% to 18.00%”HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | Website |
| Signup bonuspoints award | 12,000 points. Spend $3,000 on eligible purchases. Qualify within 3 calendar months after account opening. Award posting timing is not disclosed. Offer expiration not disclosed. You will receive 12,000 bonus points if you make $3,000 or more signature-based purchases within the first three months of opening an HVCU Visa Platinum Rewards Credit Card. “Purchases” do not include balance transfers or cash advances. All other HVCU credit cards are excluded from this offer. After qualifying, please allow 4-6 weeks for bonus points to post to your account. Limit one bonus point offer per credit line. Your account must be open and in good standing (not over-the-limit or past due) to earn or redeem points.HUDSON VALLEY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “You will receive 12,000 bonus points if you make $3,000 or more signature-based purchases within the first three months of opening an HVCU Visa Platinum Rewards Credit Card. “Purchases” do not include balance transfers or cash advances. All other HVCU credit cards are excluded from this offer. After qualifying, please allow 4-6 weeks for bonus points to post to your account. Limit one bonus point…”HUDSON VALLEY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Earn 1 point for every $1 spent. Not disclosed | 1 point per $1. See source conditions for eligible purchases.HUDSON VALLEY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Earn 1 point for every $1 spent.”HUDSON VALLEY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| PurchasesNot disclosed | 1 point per $1. See source conditions for eligible purchases.HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | “Get 1 point for every dollar spent”HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | Website |
| Rewards conditionsEarn 1 point for every $1 spent. | Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. Earn 1 point for every $1 spent. HUDSON VALLEY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Earn 1 point for every $1 spent.”HUDSON VALLEY · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Rewards conditionsPurchases | Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. Get 1 point for every dollar spentHUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | “Get 1 point for every dollar spent”HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | Website |
| Rewards source conditionsPurchases | You will receive 12,000 bonus points if you make $3,000 or more signature-based purchases within the first three months of opening an HVCU Visa Platinum Rewards Credit Card. “Purchases” do not include balance transfers or cash advances. All other HVCU credit cards are excluded from this offer. After qualifying, please allow 4-6 weeks for bonus points to post to your account. Limit one bonus point offer per credit line. Your account must be open and in good standing (not over-the-limit or past due) to earn or redeem points.HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | “You will receive 12,000 bonus points if you make $3,000 or more signature-based purchases within the first three months of opening an HVCU Visa Platinum Rewards Credit Card. “Purchases” do not include balance transfers or cash advances. All other HVCU credit cards are excluded from this offer. After qualifying, please allow 4-6 weeks for bonus points to post to your account. Limit one bonus point…”HUDSON VALLEY · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | Website |