Hudson Valley Credit Union Platinum
Hudson Valley Credit Union and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Hudson Valley Credit Union. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Hudson Valley Credit Union Platinum from Hudson Valley Credit Union earns up to 0% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 0%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 0x points.
What does the Hudson Valley Credit Union Platinum earn in each category?
Dining is the strongest category at 0% effective value (0x points at about 0 cents each). The five-category effective-rate table on this page shows how Hudson Valley Credit Union Platinum compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 0% effective value (0x points at about 0 cents each). The five-category effective-rate table on this page shows how Hudson Valley Credit Union Platinum compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 0x points | 0% Top category |
| Grocery Supermarkets and grocery stores | 0x points | 0% |
| Gas Gas stations and fuel | 0x points | 0% |
| Travel Flights, hotels, transit | 0x points | 0% |
| Other General everyday spend | 0x points | 0% |
Madeen values points at about 0 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Hudson Valley Credit Union Platinum?
The Hudson Valley Credit Union Platinum fits spenders who put meaningful volume in dining and can earn 0x points. Best for spenders who put meaningful volume in dining and can earn 0x points.
Hudson Valley Credit Union Platinum fits spenders who put meaningful volume in dining and can earn 0x points. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 0x points.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 0% effective (0x points).
- No annual fee in our catalog snapshot.
Cons
- Charges $1 foreign transaction fees.
- points value depends on how you redeem, not straight cash back.
Does the Hudson Valley Credit Union Platinum have an annual fee?
The Hudson Valley Credit Union Platinum has an annual fee of $0 and a foreign transaction fee of $1. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $1
What benefits come with the Hudson Valley Credit Union Platinum?
The Hudson Valley Credit Union Platinum includes Baggage Delay Insurance, Cell Phone Protection, Common Carrier Travel Accident Insurance in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Purchase Security and Extended Protection
$10,000/yrPurchase Security will replace, repair, or reimburse covered cardholders up to a maximum of $10,000 in the event of theft or damage. Extended Protection doubles the time period of the original manufacturer’s written U.S. repair warranty up to one full year on warranties of three years or less and up to a maximum of $10,000 per claim.
Cell Phone Protection
$7,200/yrSupplemental reimbursement for damage or theft of an eligible cell phone. Monthly cell phone bill must be charged to covered card.
Return Protection
$1,000/yrOffers reimbursement to cardholders on items they purchase. If a cardholder makes an eligible purchase with a covered card and is dissatisfied with that item for any reason (within 90 days from the date of purchase) Return Protection will reimburse the cardholder up to $250 per item and up to $1,000 annually per account.
Roadside Dispatch
$1,000/yris a pay-per-use roadside assistance program provided expressly for Visa cardholders. The program provides you with security and convenience wherever your travel takes you.
Baggage Delay Insurance
$300/yrBaggage delay benefit of up to $300 to cover expenses incurred for the emergency purchase of essential items while on a covered trip.
Common Carrier Travel Accident Insurance
$25/yrAccidental death & dismemberment insurance for primary cardholder and immediate family members when scheduled travel tickets are purchased with the card.
ID Navigator Powered by NortonLifeLock
$10/yrKeep informed of potential threats to your identity. Tools included with your Visa card include: Dark Web Monitoring, Stolen Wallet Assist and One-Bureau Credit Monitoring Alerts.
Related encyclopedia topics
Common questions about the Hudson Valley Credit Union Platinum
Does the Hudson Valley Credit Union Platinum have an annual fee?
The Hudson Valley Credit Union Platinum carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Hudson Valley Credit Union Platinum?
Dining is the strongest Madeen category for the Hudson Valley Credit Union Platinum at about 0% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Hudson Valley Credit Union Platinum charge foreign transaction fees?
The Hudson Valley Credit Union Platinum charges a foreign transaction fee of $1 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What credit score do you need for the Hudson Valley Credit Union Platinum?
Madeen's catalog lists a typical credit range of Fair for the Hudson Valley Credit Union Platinum. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Hudson Valley Credit Union Platinum?
Rewards on the Hudson Valley Credit Union Platinum post as points. Redemption value depends on how you use points (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How do I maximize rewards on the Hudson Valley Credit Union Platinum?
To maximize the Hudson Valley Credit Union Platinum, route dining and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout.
How does the Hudson Valley Credit Union Platinum compare to similar cards?
Compare the Hudson Valley Credit Union Platinum against Hudson Valley Credit Union Signature (2% on Dining, $0 fee); Hudson Valley Credit Union Business Visa Platinum Rewards (1% on Dining, $0 fee); Hudson Valley Credit Union Platinum Cash Rewards (1% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Hudson Valley Credit Union Platinum This card | Dining | 0% | $0 |
Hudson Valley Credit Union | Dining | 2% | $0 |
Hudson Valley Credit Union | Dining | 1% | $0 |
Hudson Valley Credit Union | Dining | 1% | $0 |
Hudson Valley Credit Union | Dining | 1% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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See how this card ranks in your wallet
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Hudson Valley Credit Union and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Hudson Valley Credit Union. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure