Compare our Credit Cards
Compare MHV credit cards, rates, rewards, and features to find the card that best fits your spending habits and financial needs.
credit card
A card that works for you, not the other way around.
Low rates, real rewards, and no annual fee — backed by a credit union that puts members first. Find the MHV Visa card that fits your spending.
Find your perfect card
Visa® Platinum
Ideal for those looking for a card with a low interest rate.
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One of our lowest variable rates
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No annual fee
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No balance transfer fees
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Great for carrying a balance
Visa® Signature Rewards
Ideal for those looking to earn rewards for their spending.
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Earn points on every purchase
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Redeem for travel, cash & merchandise
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No annual fee
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Visa Signature bonus benefits
Secured Visa® Platinum
When you need to build or rebuild your credit.
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Backed by a savings deposit
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Reports to all major bureaus
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Path to an unsecured card
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No annual fee
Compare our Visa Credit Card options
*View MHV Credit Card Terms and Conditions
APR = Annual Percentage Rate. Introductory rates are subject to change and are based on creditworthiness. After the introductory period, the variable APR applies and may vary with the market based on the Prime Rate. See full Credit Card Terms and Conditions above for details. Federally Insured by NCUA.
Visa® Platinum
Ideal for those looking for a card with a low interest rate
1.99% APR*
Introductory APR for 12 Months
14.00% to 18.00% APR*
Thereafter
Visa® Signature Rewards
Ideal for those looking to earn rewards for their spending
0.00% APR*
Introductory APR on Purchases for 6 Months
16.49% to 18.00% APR*
Thereafter
Secured Visa® Platinum
When you need to build or rebuild your credit
1.99% APR*
Introductory APR for 12 Months
14.00% to 18.00% APR*
Thereafter
Every card comes loaded with value
No Annual Fee
Fraud Protection
Card Controls
Mobile Wallet Ready
Competitive Rates
What members say about their MHV cards
“Switched my balance over to the Platinum card and the low rate is saving me real money every month.”
“The Signature Rewards points added up faster than I expected — we used them toward a family trip.”
“The secured card helped me rebuild my credit and I just got approved for an unsecured one. Grateful.”
Which best describes you?
I usually pay my balance in full
The Rewards card earns you something for spending you'd do anyway.
I usually carry a balance, or have one I want to move.
The Low Rate Visa Platinum offers the lowest ongoing APR range and an intro rate that makes a balance transfer worth considering.
I am building or rebuilding my credit
Start with the Secured card. Same rate structure as the Platinum, backed by your own deposit, and a path to unsecured when you're ready.
Use credit like a tool, not a trap.
Your card is just the start
MHV members enjoy lower rates, higher savings yields, and a local team that knows your name.
Lower Loan Rates
Competitive rates set by a not-for-profit cooperative
No Annual Fees
Cards designed to keep more money in your pocket.
Local Decisions
Service from people in your community.
Digital Banking
Manage every card and account from one app.
Commonly asked questions about credit cards
If you pay your balance in full most months, the Visa Signature Rewards card earns points on everything you buy. If you carry a balance or want to move one here, the Visa Platinum has the lowest rate range and an intro APR offer. If you're building or rebuilding credit, start with the Visa Secured Platinum, which is backed by your own deposit.
The Visa Platinum and Visa Secured Platinum carry a 1.99% intro APR for 12 months, then a variable APR of 14.00% to 18.00%. The Visa Signature Rewards card carries a 0% intro APR on purchases for 6 months, then a variable APR of 16.49% to 18.00%. Your rate within the range depends on your credit. See the Visa Terms & Conditions for full details.
No. All of our credit cards have no annual fee.
Yes, with no balance transfer fee. See the full terms and conditions.
A secured card is backed by a refundable savings deposit. As you use it responsibly and pay on time, your activity is reported to the major credit bureaus, helping you build a positive history.
Yes. You can view balances, make payments, set up alerts, and lock or unlock your card directly in the MHV Mobile App.
Points earned on the Visa Signature Rewards Card can be redeemed for travel, cash back, gift cards, and merchandise through our rewards portal.
You received a call because we noted suspicious activity on your MHV Debit or Credit Card and want to confirm the charge is legitimate. Reminder: MHV will never ask you for your account information or password.
If either your MHV Debit Card or Credit Card has been stolen, please contact us right away. You may call us at 845.336.4444 or stop into any Branch Location. You may also call Lost/Stolen Card Services at 866.820.8794.
For your MHV Credit Card, you can also place a lost/stolen alert in Digital Banking. In Digital Banking, click on your Visa card, then click “Report Card Lost or Stolen” under the Quick Links on the right side of the screen.
You can mail your MHV Credit Card payment(s) to:
VISA PO BOX 37603
PHILADELPHIA, PA 19101-0603
To activate your MHV Debit or Credit Card, call the number listed on the sticker on your card when you receive it. If your card does not have a sticker, you may call our activation number.
To schedule one-time or recurring payments to an MHV Credit Card from an MHV account, simply click or tap the Transfers & Payments tab within Digital Banking.
You can pay your MHV Credit Card from an external account in two ways. Click or tap the card on the Accounts page in Digital Banking. You'll then be directed to the card portal where you can make your payment. You may be prompted to register the card first. Additionally, only primary owners can access credit card accounts. You can also add your external account under the Manage Accounts tab, then make your payment by navigating to the Transfers & Payments tab and selecting Loan & Credit Card Payments. Once your external account is added, it will show up under the "From" account drop-down.
To schedule one-time or recurring payments to a non-MHV credit card, use Bill Pay within Digital Banking.
You can use both your MHV Visa® Debit Card and your MHV Visa Credit Card overseas. Please notify us when you plan to travel so we can note your account. Otherwise, international use may be flagged as fraud, and your card could be locked.
If you plan on using your debit card internationally, please be sure to keep funds in your Checking Account. Most overseas ATMs will grant access to your Checking Account but not your Savings Account.
At overseas ATMs, you will receive the exchange rate on the funds, and a surcharge and foreign ATM fee will apply. Keep in mind the ATM transaction must be under $200 (including the ATM fee).
All overseas transactions, both in person and online, will incur a 1% international transaction fee.
You can file a claim by filling out a claim form here (Opens in a new window)or call 800.621.6323 to begin the process, and a TruStage™ claims specialist will assist you.