Unlimited 2% Cash Back. Every Day.
No Categories. No Caps.
No complicated rewards programs. Just 2% back, every day.
No annual fee. Apply in minutes.
The HAPO Cash Back Visa® comes with more than rewards. Every card includes:
- Instant Issue1
- Debt Protection2
- No Annual Fee
- Visa Transaction Alerts
- Visa eStatements
- Fraud Protection
- Zero Liability
- Lost/Stolen Card Reporting
- Emergency Card Replacement
1Initial card prints at account opening are free. Replacement cards are assessed a $5.00 fee upon printing.
2Must meet all Debt Protection Plan Agreement terms to qualify.
*4.99% introductory APR (Annual Percentage Rate) applies to purchases for the first 6 months (180 days) from account opening. After that, your APR will be a variable rate of 16.75%–22.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate as reported in the Wall Street Journal. Rates and terms are subject to change without notice.
Earn 2.00% cash back on qualifying purchases. Rewards are subject to program terms, including minimum redemption thresholds.
No annual fee. Fees include: 3% cash advance fee ($5 minimum), 3% balance transfer fee ($5 minimum), up to $25 late payment fee, up to $20 returned payment fee, and 2% foreign transaction fee.
Pending credit approval. Membership required. Federally insured by NCUA.
Visa Account Terms and Conditions
| Interest Rates and Charges | |
| Annual Percentage Rate (APR) for Purchase Transactions | Prime + 7.00% to Prime + 16.75% APR Platinum Low Rate* Prime + 10.00% to Prime + 18.75% APR Platinum Cash Back * 22.99% APR Shared Secured 18.00% APR Youth Visa |
| Annual Percentage Rate (APR) for Cash Transactions | Prime + 10.00% to Prime + 19.75% APR Platinum Low Rate* Prime + 13.00% to Prime + 21.75% APR Platinum Cash Back * 22.99% APR Shared Secured 18.00% APR Youth Visa |
| Annual Percentage Rate (APR) for Balance Transfers | Prime + 10.00% to Prime + 19.75% APR Platinum Low Rate* Unless eligible for lower rate when available Prime + 13.00% to Prime + 21.75% APR Platinum Cash Back* Unless eligible for lower rate when available 22.99% APR Share Secured 18.00% APR Youth Visa |
| How to Avoid Paying Interest | You have a 25-day grace period in which to repay your balance for purchase transactions before a FINANCE CHARGE will be imposed. |
| Paying Interest | Finance charges accrue on cash advances, balance transfers, and convenience checks from the transaction date until they are paid in full. |
| Delinquency | You will be in default if your account becomes more than two months past due. On the first day of the month following notice of default, your APR will be increased to 22.99%. Upon default, if six consecutive payments are made on time, the default rate will be removed and previous APR will resume. |
| Billing Error Rights | For information about your right to dispute transactions, please refer to section 16 of the Account Agreement. |
| For Credit Card Tips from the Federal Reserve Board | To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at www.federalreserve.gov/creditcard. |
| Method of Computing the Balance | Average Daily Balance Method. |
| Fees | |
| Annual Membership Fee | NONE |
| Cash Advance Fee | 3% of each cash advance ($5.00 Minimum). |
| Balance Transfer Fee | 3% of each balance transfer ($5.00 Minimum). |
| Late Payment Fee | $25.00 fee may be assessed for payments made later than the due date. |
| Returned Payment Fee | $20.00 fee assessed for returned payments. |
| Foreign Transaction Fee | 2% of transaction (made in/merchants located in foreign country) |
*This APR will vary with the market based on the Prime Rate as well as the credit score.