Visa Rewards

Special Rewards Promotion

Earn 5x the reward points on your everyday errands using your HRCU Visa® Platinum Rewards Card.

Special Offer

Your everyday stops, upgraded with rewards.


 

From now through the end of September, your everyday stops are worth more. With the HRCU Visa® Platinum Rewards Card, you’ll earn 5x the points on purchases at:*

  • Gas Stations
  • Grocery Stores
  • Restaurants

Whether you’re fueling up for a weekend road trip, grabbing groceries for a backyard cookout, or heading out to dinner with friends, every swipe adds up to something bigger.

Activate your rewards today and turn everyday spending into something more with your Visa Rewards card.

*Earn 5X the uChoose Reward Points at Restaurants, Grocery Stores and Gas Pumps during the period of 7/1/2026 – 9/30/2026, when using your HRCU Platinum Rewards Credit Card or HRCU Business Rewards Credit Card. To be eligible for promotion, cardholders must activate the promotion on their uChoose Rewards home page. Activation can occur by accessing HRCU’s online banking, navigating to Card Management, and accessing the Rewards function. Promo activation will then occur on the cardholders uChoose Rewards homepage. The maximum bonus reward points earned during the promotion period is 5,000 (five thousand). After maximum bonus points have been earned, purchases will continue to earn the standard rewards points of 1 (one) point per $1.00 spent. Restaurant purchases include online, and in-person transactions conducted directly with the restaurant. Transactions conducted using a third-party order/delivery system may not qualify. Grocery Store purchases include online, and in-store purchases conducted directly with the store. Purchases made through third parties or non-qualifying merchants may not qualify. Gas Pump transactions must be conducted at the gas pump to qualify. Purchases made inside the gas station may not qualify. Purchases must be made with merchants in the United States. To qualify for 5X the uChoose Reward Points, the purchase date must be on or before 9/30/2026. Qualifying merchants are determined by Merchant Category Code (MCC). Merchants and processors are assigned an MCC based on their standard products and services. HRCU is not responsible for assigning MCC codes to merchants and has no control over what MCC is assigned to a merchant. Transactions performed at merchants that are not assigned the following MCC codes are not eligible for promotional points: 5411, 5542, 5811, 5812, 5813, 5814, and 5921, and will instead earn the standard reward rate of 1 point per $1 spent. HRCU reserves the right to adjust or shut down this promotion at any time.

Special Rewards Promotion FAQs

Rewards LP

Before you start shopping, you'll need to activate the reward special within the uChoose platform. Activating is easy, and can be done in a few steps.

  1. Log into your online account.
  2. Click on the Card Management tool (this can be found at the bottom of the screen, or under the More menu).
  3. Click on your Visa Rewards Credit Card. If you don't see it, click on the Add or Switch tab to add or switch to your Visa Rewards card.
  4. Click on the Rewards tab and continue to the uChoose Rewards page.
  5. Scroll down to view the available promotions under Earning Benefits.

Click Activate to activate the promotion. The promotion will then be active for the remainder of the promotion period.

Upgrade your card fast and easy without any application or credit check. Contact the Member Support Center at 603-332-6840 or click the Live Chat button to start rewarding yourself.

No. You can upgrade your card to a Rewards card without an application or credit check. Simply call our Member Support or visit your local branch to get started. 

Yes. It is important that you activate the promotion within the uChoose Rewards portal first before making a purchase. 

What can I do with Visa Rewards?

Our rewards program gives you options to fit your lifestyle, spending habits, and financial goals. Whether you're looking to save on interest, earn rewards for everyday purchases, or unlock exclusive benefits, the HRCU Visa Rewards Card delivers more value every time you use it.

How it works:

  • Earn one (1) point for every $1 you spend
  • Take advantage of our our Seasonal Reward Points promotions for bonus points opportunities
  • Check your rewards balance and treat yourself!

What can I redeem points for?

  • Amazon purchases: Simply connect your card at checkout for a seamless experience and use your points for all or a portion of your purchase
  • HRCU loan rate discounts: You can use your points and lower your interest rate on HRCU auto, personal, and recreational loans
  • uChoose Rewards: Redeem your points for thousands of options including airline tickets, brand name electronics and appliances, gift cards to premium stores, and more


Access your Rewards account by visiting the Card Management tool in the HRCU Mobile App or Online Banking.

Visa Credit Card Rates

CardAPR* as low as...Monthly Payment/$1,000
Visa Platinum12.24%$25.00
Visa Platinum Rewards (Rewards Program Applies)*13.24%$25.00

*APR = Annual Percentage Rate. Rates are variable. Rates and terms are determined by the overall creditworthiness of each applicant and are subject to change. 

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