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Credit cards

Whether you're shopping online, booking travel or managing everyday expenses, HACU credit cards give you the power to spend with confidence.

Apply in online banking

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4 steps to your HACU credit card

Find a credit card that fits your life. Our simple process helps you choose, apply and get started with confidence.

01

Choose your card

02

Apply your way

03

Get approved

04

Start smart shopping

Apply in online banking

Not a member? Apply & join ❯

Credit card options

Visa Platinum, Platinum Elite and Platinum Select

With the HealthCare Associates Visa Platinum card, you earn points for every dollar you spend.

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Perks of an HACU Visa Platinum card:

  • Earn reward points for purchases made with your HACU credit cards.
  • Redeem your points for cash awards or gift cards from popular merchants.
  • Enjoy no annual fee.
  • We won't charge you a balance transfer fee.
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Fraud protection

Looking out for you is part of what we do. That means giving you simple, reliable tools to help keep your information secure and your finances on track — so you can bank with confidence. How we help protect you:

  • Card Controls — Control when and how your card is used, set spending limits and receive transaction notifications. Log in to online banking to get started.
  • Visa Click to Pay — A faster, more secure way to check out online without re-entering your payment and shipping information.
  • Verified by Visa — An added layer of protection that helps confirm your identity when you shop online.
  • Visa Purchase Alerts — Stay on top of your account with email alerts based on the transaction activity you choose, so you can quickly spot anything unusual.

What others are saying

View All Testimonials
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Gaby went above and beyond in helping me open a new account. She guided me through banking needs I didn’t even know about and was incredibly patient throughout the process. Her knowledge is truly impressive. Thank you so much, Gaby. I couldn’t have done it without you!

Lenore W.

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Bri was very helpful with our recent transaction. She was very kind. She is one of the reasons we continue to bank with HACU.

Jeffery L.

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I am a proud member and wouldn’t go anywhere else. As a longtime member, HACU has never disappointed me. I’m also glad that services can be done online— it’s a definite win!

Pamela S.

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When my credit card was used fraudulently, my phone and email were also compromised. Tasha handled my situation with professionalism, clearly explaining each step and what to expect. She was honest about possible outcomes while remaining supportive and optimistic, which helped me feel prepared for the worst but hopeful for the best. Fortunately, the situation was resolved successfully, and I am very grateful. On top of that, Tasha also assisted me in connecting my accounts to my new phone number and email. Thank you for your excellent service!

Kathleen R.

❛❛

I received a prompt response to my online application. Stacy clearly explained the loan process, verified some information, and told me exactly what to expect next. As always, it has been a pleasure working with HACU staff—they are knowledgeable and pleasant.

Dana M.

❛❛

Jeremy N. was incredibly kind and helpful in processing my loan. He explained everything clearly and in detail. I truly appreciate all of his assistance—thank you so much!

Veronica V.

Credit card FAQs

What types of credit cards do you offer?

We offer platinum fixed-rate credit cards and secured fixed-rate credit cards designed to fit a variety of financial needs.

What interest rates and fees apply?

Check out out latest loan rate sheet and fee schedule.

Are there rewards or cash-back options?

Yes! You can earn points that can be redeemed for gift cards or deposited as cash into your account.

How do I apply for a credit card?

Applying is easy—you can visit a branch, apply online or speak with a member of our Care Team for assistance.

How is my credit limit determined?

We look at your credit history and overall financial profile to determine your credit limit.

Can I view and pay my credit card online?

Yes, you can conveniently view your balance, transactions and make payments through online banking.

What should I do if my card is lost or stolen?

Please contact us immediately through online banking or call 800.942.0158 or 888.297.3416 so we can protect your account.

Do you charge foreign transaction fees?

No, we do not charge foreign transaction fees.

Can I transfer a balance from another card?

Yes! You can transfer a balance from another credit card and even better, we don’t charge a fee to do so.

Are credit cards insured against fraud?

Yes. Our credit cards include zero liability protection, so you won’t be held responsible for unauthorized transactions.

Are there requirements for the first-time Visa program?

Yes. To qualify, you must have been employed with your current employer for at least six months and have a gross monthly income of at least $1,000.