Purchase APR
13.24–18%
Annual fee
None
Foreign fee
None
0% purchases · 12 mo0% transfers · 12 mo
620–719720+Cashback
Carrying $3k for a year ≈ $397.20
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Harvard Federal Credit Union
3 cardholder agreements · 1009 KB · 4 surveyed cards
A
Fair Terms · grade A (100/100)
0 contract red flags across 3 filed docs · see how every issuer ranks →
No red-flag clauses detected in this issuer's filed agreements — a clean 100.
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Priced card products
Purchase APR
17.24–18%
Annual fee
None
Foreign fee
1%
0% purchases · 12 mo0% transfers · 12 mo
620–719720+Cashback
Carrying $3k for a year ≈ $517.20
Purchase APR
15.24–18%
Annual fee
None
Foreign fee
1%
0% purchases · 12 mo0% transfers · 12 mo
620–719720+Cashback
Carrying $3k for a year ≈ $457.20
Purchase APR
13.24–17.74%
Annual fee
None
Foreign fee
1%
0% purchases · 12 mo0% transfers · 12 mo
620–719720+
Carrying $3k for a year ≈ $464.70
Cardholder agreements
Filed with the CFPB in the 2026 Q1 bulk submission. Opens the original PDF.