Hudson Valley Credit Union Signature
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 Signature from Hudson Valley Credit Union earns up to 2% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: You will receive 25,000 bonus points if you make $3,000 or more signature-based purchases within three months of opening an HVCU Visa Signature Credit Card..
- Top category
- Dining
- Effective value
- 2%
- 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 2x points. The welcome bonus can help if you can meet the spend requirement.
What does the Hudson Valley Credit Union Signature earn in each category?
Dining is the strongest category at 2% effective value (2x points at about 1 cents each). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Hudson Valley Credit Union Signature compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 2% effective value (2x points at about 1 cents each). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Hudson Valley Credit Union Signature compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2x points | 2% Top category |
| Grocery Supermarkets and grocery stores | 2x points | 2% |
| Gas Gas stations and fuel | 2x points | 2% |
| Travel Flights, hotels, transit | 2x points | 2% |
| Other General everyday spend | 2x points | 2% |
Madeen values HVCU Rewards at about 1 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 Signature?
The Hudson Valley Credit Union Signature fits spenders who put meaningful volume in dining and can earn 2x points. Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement.
Hudson Valley Credit Union Signature fits spenders who put meaningful volume in dining and can earn 2x points. Madeen ranks its dining effective rate higher than about 59% of the catalog in that category. 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 2x points. The welcome bonus can help if you can meet the spend requirement.
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 2% effective (2x points).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- HVCU Rewards value depends on how you redeem, not straight cash back.
What is the Hudson Valley Credit Union Signature welcome bonus?
In Madeen's catalog snapshot, the Hudson Valley Credit Union Signature welcome offer is You will receive 25,000 bonus points if you make $3,000 or more signature-based purchases within three months of opening an HVCU Visa Signature Credit Card.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before.
- Offer
- 25k HVCU Rewards (~$250 estimated)
- Terms (catalog snapshot)
- You will receive 25,000 bonus points if you make $3,000 or more signature-based purchases within three months of opening an HVCU Visa Signature Credit Card.
- Minimum spend
- $3,000
- Window
- 3Months
Does the Hudson Valley Credit Union Signature have an annual fee?
The Hudson Valley Credit Union Signature has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Hudson Valley Credit Union Signature?
The Hudson Valley Credit Union Signature includes Baggage Delay Insurance, Booking.com, Cell Phone Protection 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.
Trip Cancellation/Trip Interruption
$5,000/yrPurchase tickets with your Visa Signature credit card and receive reimbursement for the cost of your scheduled passenger fare for a covered trip in the event the trip must be canceled or interrupted due to covered reasons.
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.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Price Protection
$500/yrProvides reimbursement, within sixty (60) days of purchase, for the difference between the price paid for an eligible item and a lower advertised price for the same item.
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.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
Global Entry Statement Credit
$120/yrApply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Related encyclopedia topics
Common questions about the Hudson Valley Credit Union Signature
Does the Hudson Valley Credit Union Signature have an annual fee?
The Hudson Valley Credit Union Signature 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 Signature?
Dining is the strongest Madeen category for the Hudson Valley Credit Union Signature at about 2% 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 Signature charge foreign transaction fees?
The Hudson Valley Credit Union Signature does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the Hudson Valley Credit Union Signature welcome bonus?
The Hudson Valley Credit Union Signature welcome offer in our snapshot: You will receive 25,000 bonus points if you make $3,000 or more signature-based purchases within three months of opening an HVCU Visa Signature Credit Card.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the Hudson Valley Credit Union Signature?
Madeen's catalog lists a typical credit range of Good to Excellent for the Hudson Valley Credit Union Signature. 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 Signature?
Rewards on the Hudson Valley Credit Union Signature post as HVCU Rewards. Redemption value depends on how you use HVCU Rewards (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Hudson Valley Credit Union Signature compare to similar cards?
Compare the Hudson Valley Credit Union Signature against 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); Hudson Valley Credit Union Platinum 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 Signature This card | Dining | 2% | $0 |
Hudson Valley Credit Union | Dining | 1% | $0 |
Hudson Valley Credit Union | Dining | 1% | $0 |
Hudson Valley Credit Union | Dining | 1% | $0 |
Hudson Valley Credit Union | Dining | 0% | $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.
Related Madeen guides
Related cards
See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
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