Visa® Platinum Rewards
Two simple words explain this card's popularity - cash back.
Make a purchase, earn 1.5%. Repeat at your pleasure.
What can you do with all the money you get back from our Visa Platinum Rewards card? The sky's the limit. How can you redeem your rewards? That's an easier question - through HFCU Online Banking, our mobile app, over the phone, or in person at any HFCU branch.
- Make purchases online or at millions of merchants worldwide
- 1.50% Cash Back Rewards on every net retail purchase
- 2.99% APR* introductory rate for the first six months
- No annual fee, balance transfer fees or 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)
- Visa's Zero Liability policy means you're not responsible for unauthorized purchases
- Breathe easier with Visa's 24/7 anti-fraud and ID theft protection
- Credit Life and Credit Disability Insurance Protection available for a nominal fee
Must be eligible for Houston Federal Credit Union membership and open a share savings account with a $5 minimum deposit in order to become a member and obtain any product or service.
*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 www.houstonfcu.org, 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 TransactionsIf 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: (800) 457-0525
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
Houston Federal Credit Union is a full-service financial institution serving Greater Houston, Texas, with branches in Sugar Land, Houston, Rosenberg and Missouri City, as well as Greenville, South Carolina.