Credit Cards

Be a SMART about the plastic in your wallet

S – SAVE on monthly fees
M – Membership required
A – Apply now
R – Reward options available
T – Time to shop

APPLY NOW

No Annual Fees
Rates as low as 9.5% APR*
(*Annual Percentage Rate)
Click here for terms & conditions

$30 Annual Fee
Rates as low as 9.5% APR*
(*Annual Percentage Rate)
Click here for terms & conditions

UChoose Rewards

Get the most from your HCCU MasterCard®
You shop. You earn. You choose. It’s that simple.

How do I get started?

To register your account(s), visit www.UChooseRewards.com, click on the Register link, and then create your own User ID and Password to access the system.

What is UChoose Rewards®?

A rewards program where you earn points every time you use your HCCU MasterCard® and sign for your purchases. You can also earn additional points for shopping at participating retailers with your card. Redeem your points for anything of your choice from a vast online rewards catalog.

How do I earn points?

You earn points every time you sign for your purchases and additional points for shopping at participating retailers, whether it’s in-store at national or local retailers or online through www.UChooseRewards.com.

Where can I earn points?

Everywhere your card is accepted and you can earn additional points by shopping at participating retailers. View a complete list of participating retailers at www.UChooseRewards.com.

What can I redeem my points for?

It’s your choice! You can choose from millions of options, whether it’s products, travel experiences, activities, event tickets, merchant gift cards, cash, or more! We keep track of all the points you earn and will help you find just what you’re looking for when you’re ready to redeem. We even have a Wish List that will help you track when you’ve earned enough to redeem a specific item.

 

How much does it cost to participate?

Where most reward cards have higher interest rates, HCCU has provided the same low rates as our Classic Card. There is an annual fee of $30 which can easily be recouped by your shopping reward earnings.