Black Hills Federal Credit Union Credit Cards

Black Hills Federal Credit Union is a leading South Dakota credit union that offers credit cards for everyday use and for small businesses. Browse credit cards below.

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Black Hills Federal Credit Union Visa Cash Back Credit Card

Black Hills Federal Credit Union Visa Cash Back Credit Card
Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Good
Visa Processing Network
None Annual Fee

Black Hills Federal Credit Union Visa Cash Back Credit Card

  • 13.90% to 17.90% variable based on creditworthiness Regular Purchase APR
  • 13.90% to 17.90% variable based on creditworthiness Balance Transfer APR
  • 13.90% to 17.90% variable based on creditworthiness Cash Advance APR
  • 2.90% for 12 months from account opening date Intro Purchase APR

At a Glance

Designed for those who want to be rewarded for making everyday purchases, the Black Hills Federal Credit Union Visa Cash Back Card is a versatile tool for building credit while saving money and earning rewards points towards travel, gift cards, and more. Enjoy a card with no fees for maintenance, set-up, balance transfers or cash advances, as well as a grace period for purchases and much more.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Earn 1 point per $1 spent on all everyday purchases and redeem points for gift cards, travel options, and more
  • Low and competitive APR, grace period on purchases
  • Auto Rental Collision Damage Waiver and Travel Accident Insurance (coverage up to $250,000)
  • 24/7 Card Support for lost or stolen cards, denied transactions, transaction verification and more
  • Intro Purchase APR: 2.90% for 12 months from account opening date
  • Regular Purchase APR: 13.90% to 17.90% variable based on creditworthiness
  • Intro Balance Transfer APR: 2.90% for 12 months from account opening date
  • Balance Transfer APR: 13.90% to 17.90% variable based on creditworthiness
  • Cash Advance APR: 13.90% to 17.90% variable based on creditworthiness
  • Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $25
  • You want a card with no annual fee, no balance transfer fee, and no cash advance fee
  • You want to enjoy a grace period on new purchases
  • You’ll take advantage of a rewards program that earns you 1 point per $1 for everyday purchases
  • You’re looking for a card with an easy-to-use mobile app and 24/7 support

Black Hills Federal Credit Union Visa Signature® Rewards Card

Black Hills Federal Credit Union Visa Signature® Rewards Card
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
None Annual Fee

Black Hills Federal Credit Union Visa Signature® Rewards Card

  • 11.90% to 17.90% variable based on creditworthiness Regular Purchase APR
  • 11.90% to 17.90% variable based on creditworthiness Balance Transfer APR
  • 11.90% to 17.90% variable based on creditworthiness Cash Advance APR
  • 2.90% for 12 months from account opening date Intro Purchase APR

At a Glance

The Black Hills Federal Credit Union Visa Signature® Rewards Card is the gold standard of personal credit card offers from BHFCU. Cardholders will benefit from a great rewards program that is coupled with exclusive Visa Signature® offers, along with a low (and extremely competitive) APR, no annual fees (a rarity for a rewards card of this caliber), a grace period on purchases, and much more. Save money, and earn rewards that can be redeemed for merchandise, travel, and so much more – even as you spend.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 1X point per $1 spent, redeemable for merchandise, travel or experience rewards
  • 24-hour Visa Signature Concierge access to book travel, obtain tickets, make restaurant reservations, and more
  • No annual fees, no balance transfer fees, no cash advance fees
  • $25,000 Auto Rental Collision Damage Waiver, $1 Million Travel Accident Insurance
  • Intro Purchase APR: 2.90% for 12 months from account opening date
  • Regular Purchase APR: 11.90% to 17.90% variable based on creditworthiness
  • Intro Balance Transfer APR: 2.90% for 12 months from account opening date
  • Balance Transfer APR: 11.90% to 17.90% variable based on creditworthiness
  • Cash Advance APR: 11.90% to 17.90% variable based on creditworthiness
  • Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $25
  • You want a card with no annual fee, no balance transfer fee, and no cash advance fee
  • You want to enjoy all of the VIP perks that accompany a Visa Signature® card
  • You’ll take advantage of a rewards program that earns you 1 point per $1 for everyday purchases
  • You’re looking for a card with an easy-to-use mobile app and 24/7 support

Black Hills Federal Credit Union Visa Traditional Credit Card

Black Hills Federal Credit Union Visa Traditional Credit Card
Good-Fair
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Good / Fair
Visa Processing Network
None Annual Fee

Black Hills Federal Credit Union Visa Traditional Credit Card

  • 8.90% to 17.90% variable based on creditworthiness Regular Purchase APR
  • 8.90% to 17.90% variable based on creditworthiness Balance Transfer APR
  • 8.90% to 17.90% variable based on creditworthiness Cash Advance APR
  • 2.90% for 12 months from account opening date Intro Purchase APR

At a Glance

A traditional credit card offer, just as the name implies, the Black Hills Federal Credit Union Visa Traditional Credit Card provides the spending power you need coupled with favorably low rates, a grace period on new purchases, no annual fee, and much more. With perks like Auto Rental Collision Damage Waiver, travel accident insurance, 24/7 card support, and free card alerts by text and email, this credit card can be a powerful tool for anyone who is looking to make worry-free purchases while building thei

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee, no cash advance fee and no balance transfer fee
  • Grace period on new purchases
  • Auto Rental Collision Damage Waiver and $250,000 Travel Accident Insurance
  • 24/7 Card Support for lost or stolen cards, denied transactions, transaction verification and more
  • Intro Purchase APR: 2.90% for 12 months from account opening date
  • Regular Purchase APR: 8.90% to 17.90% variable based on creditworthiness
  • Intro Balance Transfer APR: 2.90% for 12 months from account opening date
  • Balance Transfer APR: 8.90% to 17.90% variable based on creditworthiness
  • Cash Advance APR: 8.90% to 17.90% variable based on creditworthiness
  • Foreign Transaction Fee: Up to 1% of the amount of each transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $25
  • You want a card with no annual fee, no balance transfer fee, and no cash advance fee
  • You want to enjoy a grace period on new purchases
  • You’ll take advantage of your Visa benefits
  • You’re looking for a card with an easy-to-use mobile app and 24/7 support

Black Hills Federal Credit Union Visa Cash Back Business Credit Card

Black Hills Federal Credit Union Visa Cash Back Business Credit Card
Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Good
Visa Processing Network
None Annual Fee

Black Hills Federal Credit Union Visa Cash Back Business Credit Card

  • 13.90% to 17.90% variable based on creditworthiness Regular Purchase APR
  • 13.90% to 17.90% variable based on creditworthiness Balance Transfer APR
  • 13.90% to 17.90% variable based on creditworthiness Cash Advance APR
  • 2.90% for 12 months from account opening date Intro Purchase APR

At a Glance

For small business owners, growing a business can be expensive; using a credit card both to make business purchases and also build a credit score doesn’t mean you can’t earn rewards – the Black Hills Federal Credit Union Visa Cash Back Business Credit Card makes this possible, and easy! Earn 1 reward point per $1 spent on all eligible everyday purchases for your business, and take advantage of a low, competitive APR and no annual fees.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee, no cash advance fee and no balance transfer fee
  • Earn 1 point for every $1 spent, towards travel, merchandise, experiential, and more
  • Grace period on purchases, 24/7 Card Support
  • Travel accident insurance, auto rental collision damage waiver
  • Intro Purchase APR: 2.90% for 12 months from account opening date
  • Regular Purchase APR: 13.90% to 17.90% variable based on creditworthiness
  • Intro Balance Transfer APR: 2.90% for 12 months from account opening date
  • Balance Transfer APR: 13.90% to 17.90% variable based on creditworthiness
  • Cash Advance APR: 13.90% to 17.90% variable based on creditworthiness
  • Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $25
  • You want a business card with no annual fee, no balance transfer fee, and no cash advance fee
  • You want to enjoy a grace period on new purchases
  • You’ll take advantage of a rewards program that earns you 1 point per $1 for everyday purchases
  • You’re looking for a business card with an easy-to-use mobile app and 24/7 support

Black Hills Federal Credit Union Visa Signature® Rewards Business Credit Card

Black Hills Federal Credit Union Visa Signature® Rewards Business Credit Card
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
None Annual Fee

Black Hills Federal Credit Union Visa Signature® Rewards Business Credit Card

  • 7.75% to 17.90% variable based on creditworthiness Regular Purchase APR
  • 7.75% to 17.90% variable based on creditworthiness Balance Transfer APR
  • 7.75% to 17.90% variable based on creditworthiness Cash Advance APR

At a Glance

Growing a business is hard work; using a credit card like the Black Hills Federal Credit Union Visa Signature® Rewards Business Credit Card can make it not only easy, but rewarding. Earn 1 reward point per $1 spent on all eligible everyday purchases for your business and take advantage of VIP perks only available with a Visa Signature® card, along with a low, competitive APR and no annual fees.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Earn 1 point for every $1 you spend
  • No annual fee, no balance transfer fees, no cash advance fees
  • Travel Accident Insurance and Auto Rental Collision Damage Waiver
  • 24/7 Card Support for lost or stolen cards, denied transactions, transaction verification and more
  • Regular Purchase APR: 7.75% to 17.90% variable based on creditworthiness
  • Balance Transfer APR: 7.75% to 17.90% variable based on creditworthiness
  • Cash Advance APR: 7.75% to 17.90% variable based on creditworthiness
  • Penalty APR: 18%
  • Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $22
  • You want a business card with no annual fee, no balance transfer fee, and no cash advance fee
  • You would like the VIP perks that accompany a Visa Signature® card
  • You’ll take advantage of a rewards program that earns you 1 point per $1 for everyday purchases
  • You’re looking for a business card with an easy-to-use mobile app and 24/7 support

Black Hills Federal Credit Union Visa Traditional Business Credit Card

Black Hills Federal Credit Union Visa Traditional Business Credit Card
Good-Fair
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Good / Fair
Visa Processing Network
None Annual Fee

Black Hills Federal Credit Union Visa Traditional Business Credit Card

  • 8.90% to 17.9% variable based on creditworthiness Regular Purchase APR
  • 8.90% to 17.9% variable based on creditworthiness Balance Transfer APR
  • 8.90% to 17.9% variable based on creditworthiness Cash Advance APR

At a Glance

The Black Hills Federal Credit Union Visa Traditional Business Card is a no-frills credit card offer for small business owners that offers fantastic value with interest rates beginning at just under 10% coupled with the spending power your business needs. Highlights include no annual fee, no cash advance fee, 24/7 Card Support, and much more.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee, no cash advance fee and no balance transfer fee
  • Grace period on purchases
  • Auto Rental Collision Damage Waiver
  • $250,000 Travel Accident Insurance
  • Regular Purchase APR: 8.90% to 17.9% variable based on creditworthiness
  • Balance Transfer APR: 8.90% to 17.9% variable based on creditworthiness
  • Cash Advance APR: 8.90% to 17.9% variable based on creditworthiness
  • Foreign Transaction Fee: Up to 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $22
  • You want a card with no annual fee, no balance transfer fee, and no cash advance fee
  • You’re a business owner
  • You want to enjoy a grace period on new purchases
  • You’re looking for a card with an easy-to-use mobile app and 24/7 support

About Black Hills Federal Credit Union

Black Hills Federal Credit Union (also known as BHFCU) is a South Dakota-based federal credit union. The credit union provides a full array of services and products to members ins elect South Dakota counties, including checking and savings accounts, mortgages, credit cards, and more.

Who Can Join BHFCU?

Membership eligibility with Black Hills Federal Credit Union is straightforward.

Those who live in specific South Dakota counties, as well as their immediate family and household members, are eligible for membership.  Those South Dakota counties are Pennington, Buffalo, Butte, Custer, Dewey, Fall River, Haakon, Hughes, Hyde, Jerauld, Lawrence, Lincoln, Meade, McCook, Miner, Minnehaha, Sanborn, Stanley, Sully, Turner, and Ziebach.

Those who don’t reside in any of the eligible counties can also join by donating to the Black Hills FCU Charitable Fund, a 501(c)(3) nonprofit organization working to improve lives in the communities the credit union serves.

Black Hills Federal Credit Union Branch Locations

BHFCU has several branches – or “member service centers” in the South Dakota area. These include five branches in Rapid City, SD, and three branches in Sioux Falls, SD. Other BHFCU locations include branches in:

  • Custer
  • Pierre
  • Wall
  • Spearfish
  • Hot Springs

For a complete list of Black Hills Federal Credit Union branch locations, including fee-free ATMs through the MoneyPass ATM network, and out of area services, please visit the credit union’s dedicated locations page.

FAQs About Black Hills Federal Credit Union

Here are answers to common questions about BHFCU:

  • The routing number for Black Hills FCU is 291479592.

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