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79

Harvard Alumni World MasterCard

Harvard Federal Credit Union

NationalVariable · PrimeCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
13.24–18%
Annual fee
None
0% intro
12 mo
0% transfer
12 mo
Foreign fee
None
Grace period
None

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
—
≤619
—
620–719
16.49%
720+
13.24%
Lowest offered13.24%
Median13.24%
Highest offered18%

Introductory purchase APR

Promotional window: 12 months

The intro rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Balance transfer APR

Promotional window: 12 months

The transfer rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered13.24%
Median13.24%
Highest offered18%

Every fee on this card

Annual feeNone
Balance transfer fee2%
Cash advance feeNone
Foreign transaction feeNone
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance charge$0.50
Balance computationAverage daily balance including new purchases
Additional fees
Return Check Fee$4.50
Replacement Card Fee$20
Emergency Replacement Card Fee$50

Late fee policy: $10.00 or 10.00% of the outstanding balance, whichever is less

Rewards, benefits and features

Rewards
  • Cashback rewards
  • Travel-related rewards
  • Other rewards
Services
  • Automobile rental insurance
Features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)

Issuer note: merchandise

Who can get this card

AvailabilityNational
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence
RequirementOther. Please Describe:

Geographic: Professional Affiliation

Phone617-495-4460
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (2%)$100
Promo interest at 0.00%$0
You save$500

Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 13.24% afterwards.

Cost to carry a balance
Interest for a year at 13.24%$397.20
Annual / periodic fees$0
Total yearly cost$397.20

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the stated-day grace period avoids the interest entirely.

Cardholder agreements

3 documents filed by Harvard Federal Credit Union in the 2026 Q1 archive.

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