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Harvard Federal Credit Union credit cardChecked Oct 10, 2026Updated Our illustration in the card’s colours, not its design

Harvard FCU Platinum Rewards MasterCard

No annual fee. Purchase APR 15.24–18%, variable.

Annual fee
Purchase APR
Foreign transaction fee
Read the card agreementRates and fees

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What it's worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
SpendingFirst yearAfter
Light spender$180$180
Typical spender$420$420
Heavy spender$840$840
The spending each assumes, a month
  • Light spender: groceries $300, dining $100, gas $100, everything else $500
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500

Estimates from the published terms above, as checked Oct 10, 2026; not advice. How we value cards

How it compares

  • No annual fee, like about 100% of the 50 cards on our 0% intro APR list (see the list).
  • Worth more to a typical spender than about 95% of the 50 cards on our 0% intro APR list (see the list).
  • Lower top APR than about 90% of the 50 cards on our 0% intro APR list (see the list).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Before you apply

  • What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  • Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

How you earn

  • 3%Gas
  • 2%Groceries
  • 1%Everything else

Rates and fees

Annual fee
Purchase APRvariable
Intro APR12 months
Balance transfer APR
Balance transfer fee
Cash advance APR
Foreign transactions
Minimum interest charge

Carrying a balance? See how long it takes to pay off

Benefits

  • Travel rewards are available.
  • Zero Liability protection if the card is lost or stolen.
  • Real-time monitoring for suspicious activity and fraud and transaction alerts via text or email.
  • 24-hour worldwide assistance through Mastercard Global Service.
  • Free access to a FICO credit score when an account is opened.
  • Mastercard SecureCode protection for online purchases at participating retailers.
  • Installment Payments Program to split large purchases into equal monthly payments.
  • Contactless and EMV chip technology.
  • Other

Questions

What is the annual fee?
None Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Does it charge a foreign transaction fee?
Yes: 1%. Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
What is the purchase APR?
15.24–18.00% APR Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Is there an intro APR?
0% for 12 months. Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026

Other cash back cards with no annual fee

Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).