Visa Gold

VISA® Gold Card

For higher credit limits than the VISA® Classic and extensive benefits and services, our Gold Card offers:

  • Credit limits range from $2,000 to $25,000

  • Enjoy a competitive rate (Link to Rates page, credit card section) and NO Annual Fee

  • No interest charged on purchases if your balance is paid in full each month by the payment due date

  • No cash advance fee and 24-hour cash access at ATMs worldwide

  • Up to $500,000 in Common Carrier

  • Travel Insurance

  • Up to $300 Baggage Delay Insurance

  • AutoPay Service

  • Warranty Manager Service/Buyer's Protection

  • Extended Warranty Coverage

  • Pre-trip Assistance

  • Medical Referral Assistance

  • Legal Referral Assistance

  • Visa Gold Emergency Cash

  • Emergency Card Replacement

  • Lost Luggage Locator Service

  • Emergency Transportation Assistance

  • Emergency Ticket Replacement

  • Emergency Translation Service

  • Auto Rental Insurance

  • Lost/Stolen card reporting

  • Credit Card Registration

  • Visa® Merchant Offers

Your credit limit will be determined by Hughes.  Balance Transfers/cash advances accrue interest from the date of transaction with no grace period.

Rates › Apply Now › Calculators ›

Now offering Apple Pay™! 

HFCU-ApplePay-Use-Step1-AP A safe, convenient, and easy way to pay with your Hughes credit or debit card! Hundreds of thousands of retailers accept Apple Pay and the list is growing daily! Learn more >

Effective October 1, 2015

Interest Rates and Interest Charges
Platinum Credit Card Annual Percentage Rate (APR) for purchases, balance transfers and cash advances 9.50% APR Based on creditworthiness
Gold Credit Card Annual Percentage Rate (APR) for purchases, balance transfers and cash advances 11.95% APR Based on creditworthiness
Classic Credit Card Annual Percentage Rate (APR) for purchases, balance transfers and cash advances 12.50% APR Based on creditworthiness
Penalty APR when it applies 16.99% APR This APR may be applied to your account if you make a late payment for two (2) consecutive months. How Long Will the Penalty APR Apply: If your APR is increased for the above reason, the Penalty APR will apply until you make six (6) consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date of each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge none
For Credit Card Tips from the Consumer Financial Protection Board (CFPB) To learn more about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Board's
website at


Annual Fee none
Transaction Fees

Balance Transfer


Cash Advance


Foreign Transaction

1% of each transaction in U.S. dollars
Penalty Fees

Late Payment

Up to $30

Over the Credit Limit

Up to $20

Returned Payment

Up to $30
Other Fees

Card Replacement


Pay by Phone


Pull and Rush Fee


Convenience Check Fees

$10 for each returned check


$7.50 for each stop payment


$7.50 for each check copy

How We Will Calculate Your Balance: We will use a method called "average daily balance" (includes new purchases). See your account agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Apple, Apple Pay and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.

Visa Gold Credit Card Disclosure >

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