Get more from your Cash Back Credit Card

It's time you were paid for using your Visa card. With Black Hills Federal Credit Union’s Visa Cash Back Credit Card, you'll earn cash back each time you use it, while you also save money on purchases and balance transfers with our competitive South Dakota Annual Percentage Rate.

BHFCU VISA Cash Back Credit Card

  • Earn 1.5% cash back on everyday purchases.
  • APR as low as 13.90%*, depending on your credit score (See our credit card rates and terms)
  • Cash back is redeemable in $25 increments
  • No fees for maintenance, set-up, balance transfers or cash advances1
  • Grace period on purchases
  • Travel Accident Insurance up to $500,0002
  • Auto Rental Collision Damage Waiver2
  • Register for Card Alerts on all of your BHFCU Cards
  • Access 24/7 Card Support for a lost or stolen card, denied transactions, transaction verification, and more. 
  • Visit our FAQ page to learn more about Credit Card fraud dispute processes

New Card Holders

  • Balance Transfer & Intro Rate 2.90% APR
  • Earn $200 Cash Back after spending $2,000 during the first 90 days after opening the card.

Online and Mobile Service - ScoreCard Rewards 

  • View your Rewards points balance on the Online Banking homepage and in our Mobile App
  • Click the ScoreCard Rewards button to automatically log in to scorecardrewards.com – no password required

If your card is lost or stolen, call 605.718.1818 or 800.482.2428
1Cash Advances do incur finance charges beginning on the date of posting
2See Guide to Benefits

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*Offer subject to credit approval. New credit card loan introductory offers and rates are available to primary members who have not had an open credit card loan or balance within the last 18 months. To qualify and receive credit card bonus offer, you must make qualifying purchases (purchases less returns, credits, and adjustments) totaling $2,000 or more during the first 90 days from loan opening. Purchases do not include cash advances, balance transfers, unauthorized or fraudulent charges, account fees, and interest charges. Qualifying purchases must post to your loan account within 90 days from opening.
2.90% APR for Purchases and Balance Transfers: All purchases and balance transfers posted to your loan account during the first 365 days after the account open date, up to your available credit limit, will receive an introductory 2.90% APR. At day 366, all subsequent purchases and balance transfers will receive your standard APR for purchases and balance transfers, and the APR for any remaining introductory balances will increase to your standard APR for purchases and balance transfers at the start of the next billing cycle. Balance transfers may not be used to pay off or pay down any amount owed to the Credit Union. The introductory rate does not apply to cash advances. Terms and conditions subject to change without notice. Additional restrictions apply. Please contact us at 605.718.1818 for details.


Receive complimentary Accidental Death & Dismemberment insurance to enhance your life insurance policy.


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