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Harvard Credit Union
| Term | Value | Source |
|---|---|---|
| APR for purchasesintroductory rate first | 0%HARVARD · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR for balance transfersintroductory rate first | 0%HARVARD · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR for cash advances | — | |
| Penalty APRafter a late or returned payment | — | |
| Paying interestgrace period on new purchases | — | |
| Annual fee | . No annual fee on ourHARVARD · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | Website |
| Transaction fees | ||
| Cash advance | — | |
| Balance transfer | 2% of the amount, Low 2% balance transfer feeHARVARD · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Foreign transaction | — | |
| Penalty fees | ||
| Late payment | — | |
| Returned payment | — | |
| APR qualificationsBalance transfer · Introductory; Purchase · Introductory | 0.00% Intro APR on purchases and balance transfers for the first 12 months. After that, variable rates as low as 17.24% to 18.00% APR.HARVARD · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Signup bonuspoints award | 10,000 points. Spend $500 on eligible purchases. Qualify within 90 days after account opening. Award posting timing is not disclosed. Offer expiration not disclosed. 10,000 bonus points when you spend $500 in the first 90 days of card membershipHARVARD · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | Website |
| Cash back | 1.50% cash back. Payment timing is not disclosed. 1.5% cash back on every purchaseHARVARD · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Cash back | 1.50% cash back. Payment timing is not disclosed. 1.5% cash back on every purchaseHARVARD · Page Capture Oct 13, 2026 · Captured Oct 13, 2026 | Website |