Everyday Visa Credit Card
With simplicity and convenience at its core, the Everyday Visa credit card is designed for your day-to-day transactions. The Everyday Visa features our lowest variable rate, no annual fee, and benefits to protect your purchases. It’s the Heartland Way.
Lowest Variable Rate
![Image](http://cdn.hcu.coop/images/2023/08/10/woman-on-phone.jpg)
![Image](http://cdn.hcu.coop/images/2023/08/10/pumping-gas.jpg)
Back to the Basics
Cardholder Benefits
![Image](http://cdn.hcu.coop/images/2023/08/08/plane.png)
Trip Cancellation and Trip Interruption
For those times when your trip doesn't go as planned.
![Image](http://cdn.hcu.coop/images/2023/08/04/luggage.png)
Lost
Luggage
Reimbursement
Luggage not make it to your destination? We've got you covered.
![Image](http://cdn.hcu.coop/images/2023/08/08/preserver.png)
Travel and
Emergency
Services
Here to help you if an emergency happens when you're away from home.
![Image](http://cdn.hcu.coop/images/2023/08/08/keys.png)
Auto Rental Coverage Damage Waiver
Accidents
can happen, but you
can be covered.
![Image](http://cdn.hcu.coop/images/2023/08/08/note.png)
Extended
Warranty
Protection
Providing
extra protection on
qualifying purchases.
![Image](http://cdn.hcu.coop/images/2023/08/04/package.png)
Porch
Piracy
Protection
Protection
for that
special delivery.
Everyday Purchases, Anywhere
![Image](http://cdn.hcu.coop/images/2023/08/10/family-at-airport.jpg)
![Image](http://cdn.hcu.coop/images/2023/08/04/couple-with-credit-card.jpg)
Everyday Visa Card Features
- 0% intro APR* for 12 months on balance transfers, when you open a new Everyday Visa
- No annual fee
- No foreign transaction fee
- 10-day late payment grace period
- 100% fraud protection, zero-dollar liability
- Cash advances at ATMs worldwide
- Instant issue available at any HCU branch
- Card management inside HCU Digital Banking
Seamlessly monitor and manage your HCU credit card right inside HCU Digital Banking
![](http://cdn.hcu.coop/images/2023/08/08/magnifyer.png)
![](http://cdn.hcu.coop/images/2022/04/27/applyonline.jpg)
![](http://cdn.hcu.coop/images/2023/08/08/devices.png)
*Membership required. 0.00% introductory APR for a period of 12 billing cycles on balance transfers done within 60 days of card open date. 3% balance transfer fee applies. After that, your APR will be 16.99% to 24.00% APR, based on your credit worthiness.