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Business Visa® Platinum Credit Card

Our Business Visa Platinum credit card earns points in the HVFCU Rewards! program1, and includes a host of Visa services such as Visa SavingsEdge®, Visa Alerts, Visa Checkout, and mobile wallet services like Apple Pay.

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    Earn rewards for travel, cash back credit, charitable donations, gift cards, or merchandise rewards
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    Capability for faster, easier shopping
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    EMV smart chip technology adds extra layers of security

Get Started

Contact a Branch Manager to Apply

Business Loan Document Checklist

Important Info About Opening a Business Account for a Legal Entity

Overview

Our Visa Platinum credit card offers the flexibility to control both spending and payments according to your business needs.

Add authorized users while controlling spending with individual or shared credit limits. Track and simplify expense records with custom options for consolidated or individual statement billing.

Benefits

  • Up to $50,000 limit for qualified borrowers
  • Accepted at merchants and ATMs worldwide
  • One variable rate for purchases, balance transfers and cash advances
  • 25-day grace period
  • Individual or shared credit limit
  • Custom reconciliation of expenses for accounting and tax purposes
  • $1,000,000 in travel accident insurance

HVFCU Rewards!

Use your Business Visa Platinum Credit Card and earn one point for every dollar spent on qualified purchases when using the “credit” option for signature-based transactions2.

If you have a Business Visa Debit Card you’ll also earn points in the HVFCU Rewards! program, which can be combined with the points earned on your business credit card.

 

HVFCU Rewards! offers you the freedom to choose the rewards you really want – whether travel, cash back credit, charitable donations, gift cards, or merchandise rewards. How and when you use your points is up to you.

Visa SavingsEdge

Save your business money the hassle-free way with Visa SavingsEdge. Simply make qualifying3 purchases with your enrolled HVFCU business credit card and save automatically at many places you may already do business, such as:

Your discounts will appear as credits on future account statements. It couldn’t be simpler. Visit visasavingsedge.com to enroll and to see a current list of participating merchants.

  • Days Inn
  • Advance Auto Parts
  • Godiva
  • Lenovo
  • Panera
  • Red Robin

Visa Alerts

Monitor your Visa card authorizations through email and text message notifications with Visa Alerts. Get notified of

  • Authorizations for $20 or more
  • All phone and online purchases
  • All transactions outside of the United States
  • All gas purchases
  • Declined transactions

To enroll in Visa Alerts, stop into any branch or call us.

Visa Checkout

Visa Checkout makes it easy to complete your online purchases by eliminating the need to fill out lengthy checkout forms. Visa Checkout saves your billing, shipping, and credit card info so you don’t have to enter them each time you make an online purchase.


Once enrolled, simply enter your Visa Checkout username and password whenever you see the “Checkout with Visa Checkout” option. Visa Checkout works with HVFCU personal and business credit cards and debit cards, and is compatible with any device – whether computer, tablet, or phone.
 

To enjoy faster online shopping, enroll for Visa Checkout today.

Verified by Visa

Shop with confidence online when you enroll your Visa credit card in the free, Verified by Visa program. This additional level of protection verifies account ownership at the time you make an online purchase through the use of a secure password. Verified by Visa authenticates your information and sends the online merchant a confirmation that your identity has been verified. This ensures that only you can use your card online at participating stores.

To register your card go to Verified by Visa.

GoToMyCard Online Account Access

GoToMyCard gives you secure online access to your card account so you can:

  • Get your current account summary
  • Review card activity
  • View billing statements
  • Make a payment
  • And more

Log in to GoToMyCard directly at the GoToMyCard website, or from the Internet Banking log in area on our business homepage.

Membership Eligibility

Businesses located in Dutchess, Orange, Ulster, or Putnam counties that have an HVFCU business account are eligible to apply for business loans. Eligible businesses include: Sole Proprietorship/DBA (Doing Business As), Corporation, Subchapter “S” Corporation, Limited Liability Company (LLC), Partnership, and Limited Liability Partnership (LLP). Businesses are also required to be in operation for more than two years.

Businesses that have been in operation for less than two years may qualify for a loan through the United States Small Business Administration (SBA). HVFCU is a certified lender for the SBA 7(a) Loan Guaranty Program and SBA Express Loans. Getting an SBA guarantee can make it easier for newer businesses to get funding.

1Your account must be open and in good standing (not over-the-limit or past due) to earn or redeem points.
2 PIN, Point-of-Sale, ATM transactions, cash withdrawal, and checks do not apply. Points are not be earned or accumulated for cash advances, convenience checks, traveler’s check purchases, finance charges, late fees, annual fees, over-limit fees, or transaction fees.
3 Visa SavingsEdge is an automated discount program offered by Visa U.S.A. Inc. to eligible businesses and their authorized cardholders that hold an eligible Visa Business card and whose enrollment in the program is accepted by Visa. Under the program, cardholders can receive discounts from participating merchants each time the cardholder uses an enrolled Visa Business card for qualifying purchases of goods or services pursuant to an active discount offered by the merchant and that transaction is processed or submitted through the Visa payment system. Visa may modify, restrict, limit or change the program in any way and at any time. Visa reserves the right at any time to suspend or cancel the program. Visa also reserves the right to suspend or cancel any cardholder’s participation in the program. Enrolled cardholders will only receive discounts for qualifying purchases that are in full compliance with the terms of the applicable discount offer. Discount offers may be subject to additional terms and conditions. Discount offers may be removed from the program at any time and are subject to availability. Discount offers are also subject to any applicable law or regulation that may restrict or prohibit certain sales. Discounts will not appear on a cardholder’s receipt at the point of sale. Discounts are provided in the form of credits posted to the cardholder’s applicable Visa Business card account. Please visit www.visasavingsedge.com for complete details on the program, including the program terms and conditions. © 2008-2016 Visa. All Rights Reserved.
4 Verified by Visa requires primary and joint cardholders create separate passwords.

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