Build Credit - Start off life on the right foot by building credit now!
Establishing credit early helps set the foundation for your financial future. A strong credit history can open doors to better interest rates, easier loan approvals, and rental opportunities. The Alpha+ Credit Card gives young adults a head start by reporting on-time payments to credit bureaus. Building credit responsibly now pays off for years to come.
Financial Confidence - Feel confident with your financials!
Managing your own credit helps build independence and confidence with money. The Alpha+ Credit Card encourages smart spending habits and promotes budgeting awareness. Breaking free from financial limitations starts with understanding how credit works. Learn to take control of your finances before life throws bigger expenses your way.
Earn Rewards - By using an Alpha+ Credit Card, cardholders will earn rewards such as "X"
Not only does the Alpha+ Credit Card help build credit, it also rewards you for everyday purchases. Earn cash back or points toward things you actually want. It's a smart way to turn spending into savings. Start earning rewards while learning financial responsibility at the same time.
Alerts and Controls - Have complete control over your card!
With alerts and controls, members can turn their card on and off at a moments notice. Members will also be alerted when transactions occur. Learn more about Alerts and Controls here!
Special Rate: 0% Introductory Rate for the first six (6) months 1,2
Annual Percentage Variable Rate After Intro Rate:
Rewards
Redeeming Rewards Points
Your points can be redeemed for the following categories:
Buy what you want and get rewarded for it with our hassle-free, low variable rate, and benefits-rich Rewards VISA.
Other HTFFFCU Visa Rewards Benefits:
- Added security with EMV chip technology and contactless payments
- Generous credit line4
- Custom Houston Firefighter Design
- No annual fees5
- No cash advance fee5
- 3% balance transfer fee5
- Works with Google Pay, Apple Pay and Samsung Pay6
- 24-hour access to account information (via HTFFFCU Online Banking)
- Automatic enrollment into Verified by Visa which gets you an extra layer of security to protect your identity and your shopping experience online
• Balance Transfer is now available online by clicking on the credit card tile.
Important Number:
(800)-449-7728 - call this number to report Lost/Stolen Visa® credit cards
Visa credit card disclosure and agreement (PDF)
1 : 0% APR introductory rate is valid for 6 months (180 days) from the account opening. Upon the first billing cycle after 6 months, a regular variable interest rate between 12.40% and 17.40% APR will apply on all balances not paid by the statement due date depending upon individual credit criteria.
2 : 0% APR introductory rate valid for retail purchases and balance transfers only.
3 : $1,000 must be spent on retail purchases only, within the first 3 months of the 6 month introductory period. Balance transfers, balance consolidations or cash advances are not eligible. 5,000 bonus points will be awarded at the next billing cycle after the $1,000 spending balance has been reached.
4 : Loan approval and APR based on creditworthiness, and ability to repay. Rates, terms, and conditions are subject to change.
5 : Fee schedule. Fees subject to change.
6 : Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc; Google Pay is a trademark of Google Inc; Samsung Pay is a trademark of Samsung Electronics Co., LTD.
When applying for a new Rewards Card, we will pull your credit history to establish your new variable rate. Current HTFFFCU card holders have an option to protect your existing balance at your current fixed rate with your new VISA Rewards credit card. Please notify the loan officer.