Rewards VISA

Buy what you want and get rewarded for it with our hassle-free, low variable rate, and benefits-rich Rewards VISA.

Special Rate: 0% Introductory Rate for the first six (6) months 1,2


Annual Percentage Variable Rate After Intro Rate:


Our VISA card comes with built-in rewards. You get 5,000 bonus points on us when you spend at least $1,000 in the first three months of the six month introductory period.3
After the first $1,000, you earn 1 point per each dollar spent. 

Redeeming Rewards Points

Your points can be redeemed for the following categories:

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 PayApple 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.