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70

Platinum Rewards MasterCard

Harvard Federal Credit Union

NationalVariable · PrimeCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
15.24–18%
Annual fee
None
0% intro
12 mo
0% transfer
12 mo
Foreign fee
1%
Grace period
None

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
18%
≤619
18%
620–719
18%
720+
15.49%
Lowest offered15.24%
Median15.24%
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

No score
18%
≤619
18%
620–719
18%
720+
15.49%
Lowest offered15.24%
Median—
Highest offered18%

Every fee on this card

Annual feeNone
Balance transfer fee2%
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance charge$0.50
Balance computationAverage daily balance including new purchases
Additional fees
Replacement Card Fee$20
Emergency Replacement Card Fee$50
Return Check Fee$4.50

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

None reported

Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityNational
Membership requirementsYes
RequirementProfessional Affiliation

Affiliation: Harvard FCU partners with a number of affiliates and organizations that are eligible for membership, including Harvard students, employees,alumni, employees of Harvard teaching hospitals, and more. In addition, those who live, work, worship, or attend sch

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 15.24% afterwards.

Cost to carry a balance
Interest for a year at 15.24%$457.20
Annual / periodic fees$0
Total yearly cost$457.20

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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