| Rewards | None. |
|---|---|
| Signup Bonus | None. |
| Annual Fee | $0. |
| Cardmember Agreement | View Here |
| Cash Advance APR | 17.90% |
| Cash Advance Fee | $0 flat fee per advance, but finance charges still apply from transaction date. |
| Late Payment Fee | Up to $20 for first late payment (?10 days late). Up to $35 for subsequent late payments (within 6 billing cycles after first late). |
| Purchases APR | 7.75% – 17.90% depending on creditworthiness. |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Black Hills Federal Credit Union Visa Traditional card stands out for its simplicity and low cost. Most users say they appreciate the $0 annual fee, the low introductory APR on purchases and balance transfers, and the basic Visa perks like travel accident coverage and rental-car insurance. Many reviewers mentioned how easy it is to manage and maintain, and that customer service at BHFCU is generally friendly and responsive.
On the flip side, users often note that the card lacks rewards — no cash back, points, or signup bonuses — so it doesn’t compete with other Visa cards for everyday spending. Some also mention that the online portal can feel clunky and that certain support requests can take longer than expected.
Personally, I think this card is perfect for someone who wants a no-frills, reliable credit card without worrying about fees or managing rewards. It’s not for those looking to maximize cash back or earn points on daily purchases, but for anyone prioritizing simplicity and low cost, it’s a solid choice. If you rarely carry a balance and just need a straightforward Visa, it’s worth applying for.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
D
Basic and boring
It worked fine for everyday purchases, payments went through without hassle, and I didn't get hit with surprise fees. But there really aren't any perks, no meaningful rewards, no travel perks, and no bonus categories. It's just a a plain vanilla card, okay for starting out or keeping credit history clean, but nothing I'd go out of my way to recommend.
P
Local card with fair rates
Solid everyday card with good customer service.
