Harvard Federal Credit UnionChecked Oct 4, 2026

Platinum Rewards MasterCard

10,000 points after you spend $500 in 3 months. No annual fee.

Welcome offer: Issuer's pageharvardfcu.org
“Earn 10,000 bonus points”
Checked Oct 4, 2026Open on harvardfcu.org Report a problem
Annual fee: CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
Checked Oct 4, 2026The CFPB survey Report a problem
Purchase APR: CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
Checked Oct 4, 2026The CFPB survey Report a problem
Foreign transaction fee: CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
Checked Oct 4, 2026The CFPB survey Report a problem

We don't earn anything from this link. Select any underlined figure to see where it comes from.

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.
Spending	First year	After
Light spender	$315	$215
Typical spender	$620	$520
Heavy spender	$1,200	$1,100

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 4, 2026; not advice. How we value cards

How it compares

No annual fee, like about 100% of the 49 cards on our 0% intro APR list (see the list).
Worth more to a typical spender than about 95% of the 650 cards we track.
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

Welcome offer

10,000 points

After you spend $500 on purchases in your first 3 months.

Spend requirement must be met in the first 90 days of card membership.

Spending it takes$167 a monthfor 3 months

Tracking sinceOct 4, 2026history will chart every change

How you earn

3%Eligible gas merchants
2%Eligible grocery merchants
1.5%Everything else

Rates and fees

Rates and fees for the Platinum Rewards MasterCard, each with its source
Annual fee	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Purchase APR	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem variable
Intro APR	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem 12 months
Balance transfer APR	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Balance transfer fee	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Cash advance APR	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Foreign transactions	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem
Minimum interest charge	CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026The CFPB survey Report a problem

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

Benefits

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
Is there a welcome bonus?: 10,000 points after $500 in purchases in 3 months. harvardfcu.org, since Oct 2, 2026

Other cash back cards with no annual fee

Susan G. Komen Customized Cash Rewards Credit Card - Pink RibbonBank of America · No annual fee+$190 a year
The One Key Card No Annual FeeWells Fargo · No annual fee+$130 a year
West Elm Key Rewards VisaCapital One · No annual fee+$105 a year

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