At HAPO, we're all about Fee Fairness ®. That's our HAPO VISAs has:
Whether it's 2% cash back or 2x the points, HAPO has a card for you.
*This APR will vary with the market based on the Prime Rate as well as credit score.
Federally insured by NCUA. Pending credit approval. See hapo.org or representative for details. Cash Back will accrue at a rate of 2.00% on net retail purchase transactions (qualifying purchases less credits, returns, and adjustments) charged to the card. Balance Transfers, cash advances and other cash transactions, fees, interest, unauthorized/fraudulent transactions do not accrue Cash Back. Accruals are calculated at the end of each billing cycle, and will appear on your account’s monthly statement. Reward accruals are unlimited. 2.5 points per dollar applies to the first $12,000 in purchase transactions within 365 days of account opening. Points accrue at the standard rate of 1.25 per dollar 365 days after the account open date, OR after spending $12,000 in purchase transactions; whichever is sooner. Points do not accrue on cash advance transactions or balance transfers. Points expire 5 years from the date of accrual. Reward points/cash back is forfeited if your account is in arrears, closed or used fraudulently to earn reward points/cash back. Rewards cannot be transferred or combined. Fraudulent use of the card will result in an automatic card closure. Program subject to change without notice.