Platinum Rewards Plus MasterCard
No annual fee. Purchase APR 17.24–18%, variable.
- 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.
- 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.
- 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.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $215 | $215 |
| Typical spender | $520 | $520 |
| Heavy spender | $1,100 | $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
Assumed: points valued at an assumed 1¢.
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
How you earn · Harvard FCU Rewards
- 2%net purchases at eligible grocery merchants
- 3%net purchases at eligible gas merchants
- 1.5%Everything else
Rates and fees
| 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. |
|---|---|
| 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. |
| 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. |
| 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. |
| 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. |
| 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. |
| 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. |
| 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. |
Carrying a balance? See how long it takes to pay off
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?
- 17.24–18.00% 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
- 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).