Looking for a new credit card that provides more savings at a lower rate, or allows you to earn CASH BACK REWARDS¹ for all your purchases? HFCU has Visa® credit card options available that can provide you with exactly what you are looking for!

Our low rate Visa® Prime Lock credit card can save you more money in interest than other available offers, and is equal to the current prime rate of 7.75% APR APR² with no added margins.

Our Visa Platinum Rewards credit card has a variable rate as low as 10.74% APR² and allows you to start earning 1.50% CASH BACK REWARDS¹ on every net retail purchase! Rewards earned are accrued after every monthly billing cycle, never expire, and there is no limit on the amount of rewards earned. Redeem rewards earned at any time through eTeller (online banking), or in person at any of our convenient locations.

We also have other credit card options that may be a better lifestyle fit. Check out our other HFCU Visa Platinum credit cards to see the other features and benefits they can offer you.

With all of our HFCU Visa® Platinum Credit Cards you will enjoy a low 2.99% APR² introductory rate for six months, no cash advance or balance transfer fees³, no rate increase for late payments, and you have the ability to protect yourself against fraudulent charges that could occur with HFCU’s FREE Card Alerts and Protections Service conveniently through the HFCU mobile app.⁴

Apply online today for your new Visa Platinum Credit Card by clicking the button below, or by calling us at 281-243-0555 or toll-free at 1-(844)-VIP-HFCU (847-4328). Our Electronic Lending Team hours are Monday-Friday 9:00 a.m.-7:00 p.m. CT and Saturday 9:00 a.m.-2:00 p.m. CT.

Apply for Your HFCU Visa® Credit Card Today!

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

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 November 7, 2024 is 7.75% 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 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 Information for terms and conditions.