With HRCU's premium lower-interest credit card, every purchase earns points you can use through our exciting rewards program. Turn your everyday spending into something extra!
Ideal for those who want to use their spending for reward options
Earns one (1) point for every $1 spent
Use points for airline tickets, merchandise, gift cards, a lower HRCU loan rate, and Amazon purchases
Three ways to win big with the HRCU Visa Rewards Card
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!
Access your Rewards account by visiting the Card Management tool in the HRCU Mobile App or Online Banking.
Right now, Visa® Rewards cardholders can make the most of their everyday spending—just in time for the holiday season. From gifts and retail shopping to dining out, travel, and entertainment, every purchase earns 3x reward points through the end of the year. That means your card is working harder for you while you check off your holiday list, plan a getaway, or enjoy a night out.
Click "Enroll a new rewards account" and enter your Visa Platinum Rewards card information.
Click "Add your card" and enjoy your new Amazon shopping experience.
Read our Amazon Pay with Points FAQ below to learn more.
Questions? Call our Member Support team at 603-332-6840 or click the Live Chat button on the corner of your screen.
2.
Loan Rate Buy Down Offer
Reward yourself with big savings on your next HRCU loan. You can use your Visa Rewards points to buy down your interest rate and boost your savings*.
Whether you're applying for a new loan or already have one, lower your loan rate and watch your money go even further when you redeem your earned points!
Eligible loans include:
Auto Loans
Personal Loans
Recreational loans (boats, RVs, etc.)
Schedule an appointment or reach out to our Member Support Center to get started.
*uChoose Rewards Rate Buy Down is available to HRCU Visa Rewards Credit Card holders who have a new or existing fixed rate consumer auto loan or personal loan. The following loan types are not eligible for a rate buy down: Business Loans, Real Estate Loans, Personal Lines of Credit, and Credit Cards. Eligible Visa Rewards Credit Card holders may use their available uChoose Reward points to buy down the rate of their new or existing eligible consumer loan by a maximum of 0.25% during the life of the eligible loan. To qualify, the available uChoose Reward points balance must be equal to or greater than half (1/2) of the eligible loan balance. For example, an eligible loan with a rate of 5.99% and a balance of $30,000.00 would require 15,000 available uChoose Reward points to buy down the existing rate by 0.25%, making the new rate 5.74% for the remaining term of the loan. The uChoose Rewards Rate Buy Down program is not available on promotional loan rates. HRCU reserves the right to adjust or end this program at any time. For additional information, please contact HRCU at 877-895-6840.
Example: $30,000 loan will cost 15,000 points to buy down the rate by .25%.
With UChoose Rewards, you can redeem your points for thousands of options from a huge online rewards catalog.
The choice is yours! Shop for popular items including:
Airline tickets
Gift cards to premium brand stores
High-end kitchen appliances
Popular Apple products
and more!
Login to your Rewards account by visiting the Card Management tool in the HRCU Mobile App or Online Banking. Click on the Rewards tab, and start treating yourself!
Why get a Visa Rewards Card from HRCU (besides rewards)?
Low interest rates: Make your purchases without hefty interest fees
No annual fee: Keep more money in your pocket without added costs
Control your card: View spending insights, determine card limits, and set up travel notices with Card Management
Friendly, personal service: Experience more from your local credit union
Easy online account management: Bank on-the-go with our user-friendly online and mobile app
Fraud protection: Know your transactions are safeguarded with advanced security measures
Mobile wallet-ready: Receive a free contactless Visa® credit card that you can add to your mobile wallet for Apple Pay®, Samsung Wallet, or Google Pay™
*APR = Annual Percentage Rate. Rates are variable. Rates and terms are determined by the overall creditworthiness of each applicant and are subject to change.
Transfer your credit card balance to our lower rates with Visa Balance Transfers. Start fresh with a new credit card to help you save on monthly interest payments. Plus, if you open a new Visa® Rewards card, you can earn points redeemable for Amazon purchases, loan rate discounts, gift cards, appliances, and more.
If you currently have a Visa credit card with HRCU, complete the secure and easy balance transfer form.
If you don't have a Visa credit card with HRCU, click the Apply Now button below to get started on signing up and getting the balance transfer process started.
Have any questions? Click the Live Chat icon below or contact our Member Support team.
APR = Annual Percentage Rate. Special offer on visa balance transfers for current and new HRCU visa credit card holders. A promotional rate of 4.99% APR will apply to the transferred balance for 18 months from the date the transfer is completed. After the promotional period ends, any remaining balance after the transfer period will be subject to the current rate of purchase. This rate is variable and subject to change. New members are subject to membership eligibility. Subject to credit approval. Additional terms, conditions, and limitations apply and will be provided upon approval. HRCU employees, family members, and volunteers are eligible to apply.
Step 1: Log in to our Mobile Banking app or Online Banking via desktop. Go to your Dashboard and select Transfers to get started.
Step 2: Click Make a Transfer to schedule a new transfer. You can also add an HRCU or external account to transfer to. When you click From Account, you can select your HRCU account or add an external account you'd like to make the payment from. When you click To Account, click on your Visa card that you would like to make a payment on.
Step 3: Select where and how much you'd like to transfer between account. When making a payment, you can choose to make a Regular Payment, Pay Off, or Principal Only payment if paying on a loan.
Step 4: Choose the frequency of the transfer as well as the start date. You can choose to make a One-Time Payment, or you can make recurring payments Daily, Weekly, Biweekly, Monthly, End of Month, Semi Monthly, Every Other Month, Every Four Weeks, Quarterly, Every Six Months or Yearly.
Card Management allows you to self-manage your HRCU card.
Some examples include:
Locking and unlocking your card
Setting up travel notifications
Establishing transaction limitations
Setting up transaction alerts
And more!
Card Management is an easy-to-use tool that helps you manage your finances by controlling how, when, and where your HRCU debit and credit cards are used.
You can manage all aspects of your cards, including locking and unlocking them, reporting lost or stolen cards, and limiting transactions by location, store, and transaction type. You'll also gain insight into your spending and subscriptions.
Log in to our Mobile Banking app or Online Banking via desktop. Go to your Dashboard and select Card Management to get started.
Card Management allows you to set travel plans with a maximum duration of 14 days. If you are traveling for more than 14 days, you will need to either update the app after the 14-day period ends or contact HRCU Member Support at 603-332-6840.
In the Mobile App, alerts are sent as push notifications. In Online Banking, alerts appear under Messages on the Dashboard.
“Recurring Payments” are scheduled, repeated payments, such as for streaming subscriptions or cellular bills. “Card on File” refers to merchants that store your card information for future purchases, such as online retailers or delivery apps.
Any HRCU debit, credit, or HSA card.
Any transactions made with your cards are shown. Teller transactions, wire transfers, and payments made via Bill Pay and ACH are NOT included.
No. Previously authorized recurring payments will not be affected by card controls.
Card Management allows you to set two travel plans at a time, each with a maximum duration of 14 days. If you plan to travel more than twice a year or for longer than 14 days, you will need to update the app after each trip or contact HRCU Member Support at 603-332-6840.
Control and alert settings take effect immediately.
Select the transaction in Card Management to view its details. For in-person purchases, a Google Map may display the transaction location. If you still don’t recognize the purchase, contact the merchant using the phone number listed.
If you need additional help, call HRCU Member Support at 603-332-6840.
Yes. Card Management currently supports adding your card to Google Wallet and Apple Pay.
Yes, multiple HRCU cards can be accessed via Card Management. Cards from other financial institutions cannot be viewed.
All international transactions are already blocked by HRCU.
Check the App Store to make sure you have the most current version of the HRCU Mobile App. If an update is available, you will see "Update."
Yes. Card Management displays the last 50 card-based transactions posted within the past 30 days.
Some merchants, such as gas stations, may pre-authorize your card for more than the spending limit you set. In these cases, the card will be denied.
Pay With Points
Pay with Points at Amazon.com offers you the ability to redeem your available HRCU uChoose Reward points to pay for eligible purchases at Amazon. Once you complete the enrollment process, you can redeem your available uChoose Rewards points to pay for eligible purchases at Amazon.
You must be enrolled in the uChoose Rewards program and have your HRCU Visa Rewards Credit Card as a saved form of payment to see Pay with Points eligibility on Amazon.
Once you have that set up, you may follow the step-by-step instructions below.
Sign into your Amazon Account and go to Your Account.
Under the "Payments" section, click the "Shop with Points" option.
Click "Enroll a new rewards account" and select "uChoose Rewards" from the list.
Follow the prompts and enter your card information. Then click "Add your card" to complete the setup.
Currently 1 (one) HRCU uChoose Rewards point equals $0.009 at Amazon. For example, 5,000 HRCU uChoose Rewards points = $45.00 in eligible points to be used towards your Amazon purchase.
No, there is no fee for redeeming your HRCU uChoose Rewards at Amazon!
First, proceed to the checkout option through your shopping cart. Next, select your saved HRCU Rewards Credit Card as the payment method and choose the amount of uChoose Rewards points you want to apply to the order. If you don’t have enough uChoose Rewards points to cover the cost of your entire order, you may use your uChoose Rewards points to pay for a portion of your order and use the your HRCU Rewards Credit Card to pay for the remainder of your order. At the time the order is placed, uChoose Rewards will deduct any points you redeem at Amazon from your points balance.
If any of the products related to your original order are canceled, subject to Amazon’s refund policy, you will receive a refund of the amount charged to your HRCU Rewards Credit Card, followed by the points refund to your HRCU uChoose Rewards account. If a refund of your uChoose Rewards points cannot be processed by uChoose Rewards for reasons including but not limited to a closure of your credit card account, closure of you rewards account, or a conversion from rewards to non-rewards account, Amazon will issue an Amazon gift card to you for an amount equal to the converted value of the uChoose Rewards points used towards your purchase.
First, ensure your HRCU Rewards Credit Card is enrolled in Amazon Pay with Points by navigating to “Your Account”, then “Payments”, then “Shop with Points”. If enrolled, you will see your uChoose Rewards points balance here. You may also proceed to checkout and view your balance on the payments page.
If you have questions regarding HRCU uChoose Rewards please contact HRCU directly by calling 603-332-6840 or 1-800-895-6840.
Purchases returned to Amazon follow Amazon’s standard return policies. Please visit Amazon’s returns and refunds page for more information.
For Amazon Pay with Points order related issues, please contact Amazon’s customer support directly.