Visa Credit Cards

*Only purchases made between 10/1/2022 and 12/31/2022 will have three (3) times the standard uChoose Rewards points applied to them, all other purchases will have Rewards applied at standard nonpromotional rate. Applicable only for HRCU Visa® Platinum Rewards Credit Card. Includes online and in-store purchases.

VISA Credit Card Agreement             VISA Application Disclosure              uChoose Rewards FAQ

*APR = Annual Percentage Rate. Excludes all business VISA cards. Eligibility and non-promotional rates determined by credit qualifications. No minimum transfer balance required. Promotional interest rate period begins from date of transfer initiation for a period of 12 months. After that, the variable APR for the remaining balance of qualified transfers will be 12.49% to 15.00%, based on your creditworthiness. Variable APR based on the Prime Rate as of November 2, 2022 plus 5.50%. If you fail to make the required payments any time during the promotional period and your account becomes delinquent by 60 days or more, you shall be disqualified from the remainder of the promotional period and your APR will revert to the regular variable periodic rate at the date of delinquency. Balance transfers from existing HRCU loans are not eligible.