APR as low as 9.90%*

Our credit cards are different, because we are different. You'll save money on purchases and balance transfers with our low APR. With no set-up, program, application or annual fees, you’ll receive the benefit of being a member, not a customer.

Increase your spending power from Visa

  1. Earn rewards points on everyday purchases, redeemable for gift cards, travel options and more1
  2. APR as low as 9.90%, depending on your credit score (See our credit card rates and terms)
  3. No fees for maintenance, set-up, balance transfers or cash advances2
  4. Grace period on purchases
  5. Travel Accident Insurance up to $250,0003
  6. Auto Rental Collision Damage Waiver3
  7. Smart Travel Tips for when you're headed out of town
  8. Register for Card Alerts on all of your BHFCU Cards
  9. Access 24/7 Card Support for a lost or stolen card, denied transactions, transaction verification, and more. 

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.
  • Easily redeem your points for gift cards, travel options, electronics, and more.
Apply Now

If your card is lost or stolen, call 605.718.1818 or 800.482.2428
1ScoreCard Terms and Conditions
2Cash Advances do incur finance charges beginning on the date of posting
3See Guide to Benefits


Black Hills Federal Credit Union

Join Now

When it comes to managing your money, you don't have to settle for cold, impersonal relationships with an institution that doesn't know you and doesn't care to. Black Hills is a different experience, a not-for-profit credit union that thrives because of close relationships with members.

You're eligible to join if you meet one of these criteria
  • Live, work, worship, volunteer, attend school or own a business in the South Dakota counties of Pennington, Buffalo, Butte, Custer, Dewey, Fall River, Haakon, Hughes, Hyde, Jerauld, Lawrence, Lincoln, Meade, McCook, Miner, Sanborn, Stanley, Sully, Turner or Ziebach

  • Family member or household member of a current or eligible Black Hills FCU member