PLATINUM REWARDS+
No Annual Fee
0.00 % Intro APR on purchases and balance transfers for the first 12 months2. After that, variable rates as low as 17.24 % to 18.00 % APR1.
Earn 10,000 bonus points
- when you spend $500 in the first 90 days of card membership
Balance Transfers
- 0.00% intro APR for the first 12 months2
- 2% fee
Cash Back Rewards
- 1.5% on Everything
Travel and Merchandise rewards also available
Pay in Installments
- Use our Installment Payments Program to split up large purchases over time
Points do not expire
PLATINUM REWARDS
No Annual Fee
0.00 % Intro APR on purchases and balance transfers for the first 12 months2. After that, variable rates as low as 15.24 % to 18.00 % APR1.
Earn 10,000 bonus points
- when you spend $500 in the first 90 days of card membership
Balance Transfers
- 0.00% intro APR for the first 12 months2
- 2% fee
Cash Back Rewards
- 3% on Gas
- 2% on Groceries
- 1% on Everything Else
Travel and Merchandise rewards also available
Pay in Installments
- Use our Installment Payments Program to split up large purchases over time
Points do not expire
PLATINUM
No Annual Fee
0.00 % Intro APR on purchases and balance transfers for the first 12 months2. After that, variable rates as low as 13.24 % to 18.00 % APR1.
Balance Transfers
- 0.00% intro APR for the first 12 months2
- 2% fee
Pay in Installments
- Use our Installment Payments Program to split up large purchases over time
Graduated from Harvard? Check out our exclusive Alumni Card!
Consumer-friendly credit cards with no gimmicks or hidden fees.
Take advantage of great rates and simple terms with a Harvard FCU credit card – Platinum, Platinum Rewards, or Platinum Rewards+. Unlike big banks, our cards won’t surprise you with hidden fees or high default rates. You’ll also find exceptional cardholder benefits like discounted rates on balance transfers, free access to your FICO® score, and a generous cash back rewards program.
Explore the perks and benefits offered with your Harvard FCU Mastercard® below! You can also view additional rewards and a full guide to your MasterCard® benefits by clicking here: view your Mastercard Guide to Benefits.
Zero Liability
With a Harvard FCU MasterCard®, you’re protected if your card is lost or stolen.
I.D. Theft Protection
Your account is monitored in real-time for any suspicious activity, so your important information is safe.
Fraud and Transaction Alerts
Any potentially fraudulent activity on your account is identified quickly, and you will receive alerts via text or email.
Global Service
With a Harvard FCU MasterCard®, you can expect 24-hour assistance, worldwide
Travel Insurance
For when the unexpected happens. Book with confidence using your Harvard FCU MasterCard.® Learn more!
FICO Score
You will receive Free access to your FICO credit score when you open an account.
Making a large purchase? Use our Installment Payments Program to split it up into equal monthly payments
Ready to get started with a Harvard FCU Credit Card?
Tap and Go with Contactless
Contactless cards provide fast and secure transactions. With an easy tap of your Mastercard®, you can enjoy convenient checkouts for your everyday purchases. Simply hold your card or digital wallet to the terminal for increased speed and safety.
Harvard FCU CARDS APP
Enjoy easy on-the-go management of your credit card with the Harvard FCU Cards App, available for all Apple and Android smartphones.
Questions about disputing a charge?
Credit Cards FAQs
Harvard Federal Credit Union offers three Mastercard® credit card options: Platinum, Platinum Rewards, and Platinum Rewards+. Each card provides members with competitive rates, no annual fee, and benefits designed to support different spending and financial goals.
Harvard Federal Credit Union offers different credit card options based on how members prefer to use their cards. The Platinum card provides a straightforward credit card option with competitive rates. The Platinum Rewards card is designed for members who want to earn rewards on eligible purchases. The Platinum Rewards+ card offers 1.5% cash back on purchases for members who prefer simple cash back rewards.
Yes. Harvard Federal Credit Union offers rewards credit cards, including Platinum Rewards and Platinum Rewards+, which allow members to earn rewards on qualifying purchases. Platinum Rewards+ provides 1.5% cash back on purchases.
Yes. Harvard FCU credit cards offer balance transfer options with promotional rates available on qualifying transfers, helping members manage existing credit card balances and potentially consolidate debt.
No. Harvard Federal Credit Union credit cards do not charge an annual fee, allowing members to access credit card benefits without an annual account charge.
Yes. Harvard FCU members can manage their credit cards through digital banking tools and the Harvard FCU Cards App, including viewing account activity, managing card settings, and accessing card controls. Harvard FCU credit cards also support digital wallets such as Apple Pay, Google Pay, and Samsung Pay.
Eligible Harvard FCU members can apply for a credit card online or through Harvard Federal Credit Union’s available application channels. Applicants are subject to credit approval and account qualifications.
NOTE: If your credit card is lost or stolen, you must call 1-800-449-7728 to report it. If calling from outside the U.S. you must call collect to 1-314-542-7111.
1. Your variable APR(s) are calculated by adding a margin to the Prime Rate. Rates will be adjusted on the first day of the calendar month based upon the Prime Rate published in the Wall Street Journal on the first business day of the preceding month. Rate changes may impact minimum payment due.
2. First year for Rate consists of the first 12 billing cycles.
Subject to credit approval.