{"data":{"path":"harvard-credit-union/business-rewards-mastercard","artwork":null,"name":"Business Rewards Mastercard®","officialName":"Business Rewards Mastercard®","type":"credit_card","audience":"business","lifecycleStatus":"active","owner":{"name":"Harvard Credit Union","handle":"harvard-credit-union"},"institution":{"name":"Harvard Credit Union","handle":"harvard-credit-union"},"actualIssuerName":null,"standardOffer":{"id":"2959","offerKind":"standard","channel":null,"nameAsFiled":"Business Rewards Mastercard®","handle":null,"terms":{"productId":"4143","path":"harvard-credit-union/business-rewards-mastercard","name":"Business Rewards Mastercard®","officialName":"Business Rewards Mastercard®","aliases":[],"institutionId":"74655","institutionName":"Harvard Credit Union","institutionHandle":"harvard-credit-union","issuerName":null,"productType":"credit_card","audience":"business","audienceSegments":["business"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":"mastercard","targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":0,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":null,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":null,"purchaseRegularMaxBps":null,"purchaseIntroAllBps":0,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":0,"purchaseIntroMaxBps":0,"balanceTransferRegularAllBps":null,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":null,"balanceTransferRegularMaxBps":null,"balanceTransferIntroAllBps":0,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":0,"balanceTransferIntroMaxBps":0,"cashAdvanceRegularAllBps":null,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":null,"cashAdvanceRegularMaxBps":null,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":12,"balanceTransferIntroDurationMonths":12,"purchaseIntroNullReason":null,"balanceTransferIntroNullReason":null,"purchaseRateType":null,"variableRateIndex":null,"annualFeeAmountCents":0,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":"not_offered","purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":"unknown","balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":200,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":null,"cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":"unknown","foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":"unknown","latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":"unknown","overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":"unknown","returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":"unknown","otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":"unknown","lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":[],"featureTokens":[],"consumerWebsite":null,"consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":null,"sourceDocumentTitle":null,"sourceDocumentPage":null,"offerCount":1,"minPurchaseAprBps":null,"maxPurchaseAprBps":null,"freshness":"current"},"aprTerms":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T08:23:52.898Z","sources":[{"snapshotId":"52443","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-14T08:23:52.898Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/es/business-banking/business-credit-cards/","passageId":"0662b86ae9219cc0bd926f1a366ad01b","pageNumber":null,"quote":"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.","recordId":"official-issuer:page:url:07552bcf9cc9ff6c427c0bb041c2e43d002e041cfa6a9635de659e83e73014fe","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:all:0"},{"snapshotId":"52443","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-14T08:23:52.898Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/es/business-banking/business-credit-cards/","passageId":"0662b86ae9219cc0bd926f1a366ad01b","pageNumber":null,"quote":"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.","recordId":"official-issuer:page:url:07552bcf9cc9ff6c427c0bb041c2e43d002e041cfa6a9635de659e83e73014fe","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:conditions"}],"purpose":"balance_transfer","phase":"introductory","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":null,"rateTypeNullReason":"not_disclosed","minimumBps":0,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":0,"maximumBpsNullReason":null,"indexName":null,"marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":12,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":"not_applicable","eligibilityConditions":"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.","eligibilityConditionSources":[{"snapshotId":"52443","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-14T08:23:52.898Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/es/business-banking/business-credit-cards/","passageId":"0662b86ae9219cc0bd926f1a366ad01b","pageNumber":null,"quote":"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.","recordId":"official-issuer:page:url:07552bcf9cc9ff6c427c0bb041c2e43d002e041cfa6a9635de659e83e73014fe","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:conditions"}],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"52443","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-14T08:23:52.898Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/es/business-banking/business-credit-cards/","passageId":"0662b86ae9219cc0bd926f1a366ad01b","pageNumber":null,"quote":"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.","recordId":"official-issuer:page:url:07552bcf9cc9ff6c427c0bb041c2e43d002e041cfa6a9635de659e83e73014fe","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T08:23:52.898Z","sources":[{"snapshotId":"52443","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-14T08:23:52.898Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/es/business-banking/business-credit-cards/","passageId":"0662b86ae9219cc0bd926f1a366ad01b","pageNumber":null,"quote":"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.","recordId":"official-issuer:page:url:07552bcf9cc9ff6c427c0bb041c2e43d002e041cfa6a9635de659e83e73014fe","recordFields":[],"fieldKey":"apr:purchase:introductory:all:0"},{"snapshotId":"52443","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-14T08:23:52.898Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/es/business-banking/business-credit-cards/","passageId":"0662b86ae9219cc0bd926f1a366ad01b","pageNumber":null,"quote":"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.","recordId":"official-issuer:page:url:07552bcf9cc9ff6c427c0bb041c2e43d002e041cfa6a9635de659e83e73014fe","recordFields":[],"fieldKey":"apr:purchase:introductory:conditions"}],"purpose":"purchase","phase":"introductory","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":null,"rateTypeNullReason":"not_disclosed","minimumBps":0,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":0,"maximumBpsNullReason":null,"indexName":null,"marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":12,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":"not_applicable","eligibilityConditions":"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.","eligibilityConditionSources":[{"snapshotId":"52443","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-14T08:23:52.898Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/es/business-banking/business-credit-cards/","passageId":"0662b86ae9219cc0bd926f1a366ad01b","pageNumber":null,"quote":"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.","recordId":"official-issuer:page:url:07552bcf9cc9ff6c427c0bb041c2e43d002e041cfa6a9635de659e83e73014fe","recordFields":[],"fieldKey":"apr:purchase:introductory:conditions"}],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"52443","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-14T08:23:52.898Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/es/business-banking/business-credit-cards/","passageId":"0662b86ae9219cc0bd926f1a366ad01b","pageNumber":null,"quote":"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.","recordId":"official-issuer:page:url:07552bcf9cc9ff6c427c0bb041c2e43d002e041cfa6a9635de659e83e73014fe","recordFields":[],"fieldKey":"apr:purchase:introductory:all:0"}],"daily_periodic_rate":[],"margin":[]}}],"fees":[{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-14T08:23:52.898Z","sources":[{"snapshotId":"51210","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-13T19:43:27.418Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/business-banking/business-credit-cards/","passageId":"97ff5e3d4719f84248121f22b8d6628a","pageNumber":null,"quote":". No annual fee on our","recordId":"official-issuer:page:url:861657da5b6a08b2f139e2d652053cc161da47a2f7739647e9e5429f29bf9692","recordFields":[],"fieldKey":"annual_fee"},{"snapshotId":"52443","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-14T08:23:52.898Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/es/business-banking/business-credit-cards/","passageId":"0dfc60b79d7d2233c53ffc5b1e183c93","pageNumber":null,"quote":". No annual fee on our","recordId":"official-issuer:page:url:07552bcf9cc9ff6c427c0bb041c2e43d002e041cfa6a9635de659e83e73014fe","recordFields":[],"fieldKey":"annual_fee"}],"feeType":"annual","feeFrequency":"annual","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_offered","percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_applicable","feeScope":"account","calculation":null,"explanation":". No annual fee on our "},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T08:23:52.898Z","sources":[{"snapshotId":"52443","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-14T08:23:52.898Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/es/business-banking/business-credit-cards/","passageId":"ee3515efb3f49ba9bb79323423bfc044","pageNumber":null,"quote":"Low 2% balance transfer fee","recordId":"official-issuer:page:url:07552bcf9cc9ff6c427c0bb041c2e43d002e041cfa6a9635de659e83e73014fe","recordFields":[],"fieldKey":"fee:balance_transfer:1"}],"feeType":"balance_transfer","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_applicable","percentBps":200,"percentNullReason":null,"minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"percent_only","explanation":"Low 2% balance transfer fee"}],"cardTerms":null,"partialCardNetwork":{"network":"mastercard","sources":[{"snapshotId":"52443","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-14T08:23:52.898Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/es/business-banking/business-credit-cards/","passageId":"87105718a9e1b34c41edbbd87cf756ec","pageNumber":null,"quote":"Business Rewards Mastercard®","recordId":"official-issuer:page:url:07552bcf9cc9ff6c427c0bb041c2e43d002e041cfa6a9635de659e83e73014fe","recordFields":[],"fieldKey":"network"},{"snapshotId":"51210","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-13T19:43:27.418Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/business-banking/business-credit-cards/","passageId":"a8904371d6006f2c79789c3f83a5c4f5","pageNumber":null,"quote":"Business Rewards Mastercard®","recordId":"official-issuer:page:url:861657da5b6a08b2f139e2d652053cc161da47a2f7739647e9e5429f29bf9692","recordFields":[],"fieldKey":"network"}]},"signupBonuses":[{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-14T08:23:52.898Z","sources":[{"snapshotId":"51210","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-13T19:43:27.418Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/business-banking/business-credit-cards/","passageId":"f1578f9e9d7bb5a134c4af0d63219c17","pageNumber":null,"quote":"10,000 bonus points when you spend $500 in the first 90 days of card membership","recordId":"official-issuer:page:url:861657da5b6a08b2f139e2d652053cc161da47a2f7739647e9e5429f29bf9692","recordFields":[],"fieldKey":"signup_bonus"},{"snapshotId":"52443","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-14T08:23:52.898Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/es/business-banking/business-credit-cards/","passageId":"b39e37450cbc0aae6e235af57f75f033","pageNumber":null,"quote":"10,000 bonus points when you spend $500 in the first 90 days of card membership","recordId":"official-issuer:page:url:07552bcf9cc9ff6c427c0bb041c2e43d002e041cfa6a9635de659e83e73014fe","recordFields":[],"fieldKey":"signup_bonus"}],"bonusKey":"signup_bonus","qualifyingMonthsAfterAccountOpening":null,"qualifyingMonthsNullReason":"not_applicable","payoutWeeksMinimum":null,"payoutWeeksMaximum":null,"payoutWeeksNullReason":"not_applicable","payoutWeeksAnchor":null,"bonusPoints":10000,"minimumPurchaseCents":50000,"minimumPurchaseNullReason":null,"qualifyingDaysAfterAccountOpening":90,"qualifyingDaysNullReason":null,"statementCreditRedemptionCents":null,"statementCreditRedemptionNullReason":"not_disclosed","payoutStatementCyclesMinimum":null,"payoutStatementCyclesMaximum":null,"payoutStatementCyclesNullReason":"not_disclosed","expirationOn":null,"expirationNullReason":"not_disclosed","conditions":"10,000 bonus points when you spend $500 in the first 90 days of card membership","qualificationConditions":[],"qualificationConditionSources":[]}],"cardRewards":[],"cashBenefits":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T08:23:52.898Z","sources":[{"snapshotId":"52443","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-14T08:23:52.898Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/es/business-banking/business-credit-cards/","passageId":"cf130fc35bf7548774627980a5bcba41","pageNumber":null,"quote":"1.5% cash back on every purchase","recordId":"official-issuer:page:url:07552bcf9cc9ff6c427c0bb041c2e43d002e041cfa6a9635de659e83e73014fe","recordFields":[],"fieldKey":"card_cash_benefit"}],"benefitKey":"cashback","benefitKind":"cashback_earnings","percentBps":150,"percentNullReason":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","amountCents":null,"amountNullReason":"not_applicable","amountIsUpperBound":false,"minimumQualifyingSpendCents":null,"minimumSpendNullReason":"not_applicable","qualifyingDaysAfterAccountOpening":null,"qualifyingDaysNullReason":"not_applicable","recurrenceMonths":null,"recurrenceMonthsNullReason":"not_applicable","recurrenceAnchor":null,"recurrenceAnchorNullReason":"not_applicable","payoutStatementCyclesMinimum":null,"payoutStatementCyclesMaximum":null,"payoutStatementCyclesNullReason":"not_disclosed","conditions":"1.5% cash back on every purchase","qualificationConditions":null,"qualificationConditionSources":[]},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T19:43:27.418Z","sources":[{"snapshotId":"51210","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-13T19:43:27.418Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/business-banking/business-credit-cards/","passageId":"4ff19b3d8d47ee64299b348de2c9968b","pageNumber":null,"quote":"1.5% cash back on every purchase","recordId":"official-issuer:page:url:861657da5b6a08b2f139e2d652053cc161da47a2f7739647e9e5429f29bf9692","recordFields":[],"fieldKey":"card_cash_benefit"}],"benefitKey":"purchase-cashback","benefitKind":"cashback_earnings","percentBps":150,"percentNullReason":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","amountCents":null,"amountNullReason":"not_applicable","amountIsUpperBound":false,"minimumQualifyingSpendCents":null,"minimumSpendNullReason":"not_applicable","qualifyingDaysAfterAccountOpening":null,"qualifyingDaysNullReason":"not_applicable","recurrenceMonths":null,"recurrenceMonthsNullReason":"not_applicable","recurrenceAnchor":null,"recurrenceAnchorNullReason":"not_applicable","payoutStatementCyclesMinimum":null,"payoutStatementCyclesMaximum":null,"payoutStatementCyclesNullReason":"not_disclosed","conditions":"1.5% cash back on every purchase","qualificationConditions":null,"qualificationConditionSources":[]}],"cardLinks":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T08:23:52.898Z","sources":[{"snapshotId":"52443","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-14T08:23:52.898Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/es/business-banking/business-credit-cards/","passageId":"2099e9ef855afeb2dd337d980c12ca3f","pageNumber":null,"quote":"Solicite ahora","recordId":"official-issuer:page:url:07552bcf9cc9ff6c427c0bb041c2e43d002e041cfa6a9635de659e83e73014fe","recordFields":[],"fieldKey":"card_link"}],"linkKey":"application","linkKind":"application","url":"https://harvardfcu.akouba.io/","label":"Solicite ahora"},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T08:23:52.898Z","sources":[{"snapshotId":"52443","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-14T08:23:52.898Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/es/business-banking/business-credit-cards/","passageId":"e507ccbf2f4fdad932e44f47f3722424","pageNumber":null,"quote":"Credit Card Agreement","recordId":"official-issuer:page:url:07552bcf9cc9ff6c427c0bb041c2e43d002e041cfa6a9635de659e83e73014fe","recordFields":[],"fieldKey":"card_link"}],"linkKey":"card-agreement","linkKind":"disclosure","url":"https://harvardfcu.org/wp-content/uploads/2026/07/Business-Rewards-Credit-Card-Agreement.pdf","label":"Credit Card Agreement"}],"cardWithholdings":[{"observationKind":"card_apr","fieldKey":"intro-and-regular-apr","reason":"unparsed_value","detail":"The regular APR minima conflict on the retained page (17.24% versus 17.49%); no regular rate is selected. The consistent 0% introductory APR is typed separately.","sources":[{"snapshotId":"52443","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-14T08:23:52.898Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/es/business-banking/business-credit-cards/","passageId":"0662b86ae9219cc0bd926f1a366ad01b","pageNumber":null,"quote":"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.","recordId":"official-issuer:page:url:07552bcf9cc9ff6c427c0bb041c2e43d002e041cfa6a9635de659e83e73014fe","recordFields":[],"fieldKey":"withheld:card_apr:intro-and-regular-apr"}]},{"observationKind":"card_apr","fieldKey":"alternate-apr","reason":"unparsed_value","detail":"The regular APR minima conflict on the retained page (17.24% versus 17.49%); no regular rate is selected. The consistent 0% introductory APR is typed separately.","sources":[{"snapshotId":"52443","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-14T08:23:52.898Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/es/business-banking/business-credit-cards/","passageId":"815080335a1cbf6380e87ac95caef5e4","pageNumber":null,"quote":"low as 17.49% to 18.00% APR","recordId":"official-issuer:page:url:07552bcf9cc9ff6c427c0bb041c2e43d002e041cfa6a9635de659e83e73014fe","recordFields":[],"fieldKey":"withheld:card_apr:alternate-apr"}]},{"observationKind":"card_apr","fieldKey":"regular-apr-first","reason":"unparsed_value","detail":"Ongoing APR conflicts with the second rate block: 17.24%–18.00% here versus 17.49%–18.00% there.","sources":[{"snapshotId":"51210","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-13T19:43:27.418Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/business-banking/business-credit-cards/","passageId":"95c6a14a91f2e4ddb03526d160fdd175","pageNumber":null,"quote":"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.","recordId":"official-issuer:page:url:861657da5b6a08b2f139e2d652053cc161da47a2f7739647e9e5429f29bf9692","recordFields":[],"fieldKey":"withheld:card_apr:regular-apr-first"}]},{"observationKind":"card_apr","fieldKey":"regular-apr-second","reason":"unparsed_value","detail":"Ongoing APR conflicts with the first rate block: 17.49%–18.00% here versus 17.24%–18.00% there.","sources":[{"snapshotId":"51210","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-13T19:43:27.418Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/business-banking/business-credit-cards/","passageId":"10da5d2da5f0003ae0d0265115c2b7b1","pageNumber":null,"quote":"low as 17.49% to 18.00% APR","recordId":"official-issuer:page:url:861657da5b6a08b2f139e2d652053cc161da47a2f7739647e9e5429f29bf9692","recordFields":[],"fieldKey":"withheld:card_apr:regular-apr-second"}]},{"observationKind":"card_apr","fieldKey":"intro-duration","reason":"unparsed_value","detail":"The main introductory offer says 12 months, while this footnote says 12 billing cycles; retain the 0% rate and withhold its conflicting duration unit.","sources":[{"snapshotId":"51210","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-13T19:43:27.418Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/business-banking/business-credit-cards/","passageId":"05b1c5135f614ea44af7d3bf5bca4204","pageNumber":null,"quote":"2. First year for Rate consists of the first 12 billing cycles.","recordId":"official-issuer:page:url:861657da5b6a08b2f139e2d652053cc161da47a2f7739647e9e5429f29bf9692","recordFields":[],"fieldKey":"withheld:card_apr:intro-duration"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]},"offers":[{"id":"2959","offerKind":"standard","channel":null,"nameAsFiled":"Business Rewards Mastercard®","handle":null,"terms":{"productId":"4143","path":"harvard-credit-union/business-rewards-mastercard","name":"Business Rewards Mastercard®","officialName":"Business Rewards Mastercard®","aliases":[],"institutionId":"74655","institutionName":"Harvard Credit Union","institutionHandle":"harvard-credit-union","issuerName":null,"productType":"credit_card","audience":"business","audienceSegments":["business"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":"mastercard","targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":0,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":null,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":null,"purchaseRegularMaxBps":null,"purchaseIntroAllBps":0,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":0,"purchaseIntroMaxBps":0,"balanceTransferRegularAllBps":null,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":null,"balanceTransferRegularMaxBps":null,"balanceTransferIntroAllBps":0,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":0,"balanceTransferIntroMaxBps":0,"cashAdvanceRegularAllBps":null,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":null,"cashAdvanceRegularMaxBps":null,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":12,"balanceTransferIntroDurationMonths":12,"purchaseIntroNullReason":null,"balanceTransferIntroNullReason":null,"purchaseRateType":null,"variableRateIndex":null,"annualFeeAmountCents":0,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":"not_offered","purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":"unknown","balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":200,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":null,"cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":"unknown","foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":"unknown","latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":"unknown","overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":"unknown","returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":"unknown","otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":"unknown","lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":[],"featureTokens":[],"consumerWebsite":null,"consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":null,"sourceDocumentTitle":null,"sourceDocumentPage":null,"offerCount":1,"minPurchaseAprBps":null,"maxPurchaseAprBps":null,"freshness":"current"},"aprTerms":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T08:23:52.898Z","sources":[{"snapshotId":"52443","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-14T08:23:52.898Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/es/business-banking/business-credit-cards/","passageId":"0662b86ae9219cc0bd926f1a366ad01b","pageNumber":null,"quote":"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.","recordId":"official-issuer:page:url:07552bcf9cc9ff6c427c0bb041c2e43d002e041cfa6a9635de659e83e73014fe","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:all:0"},{"snapshotId":"52443","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-14T08:23:52.898Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/es/business-banking/business-credit-cards/","passageId":"0662b86ae9219cc0bd926f1a366ad01b","pageNumber":null,"quote":"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.","recordId":"official-issuer:page:url:07552bcf9cc9ff6c427c0bb041c2e43d002e041cfa6a9635de659e83e73014fe","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:conditions"}],"purpose":"balance_transfer","phase":"introductory","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":null,"rateTypeNullReason":"not_disclosed","minimumBps":0,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":0,"maximumBpsNullReason":null,"indexName":null,"marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":12,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":"not_applicable","eligibilityConditions":"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.","eligibilityConditionSources":[{"snapshotId":"52443","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-14T08:23:52.898Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/es/business-banking/business-credit-cards/","passageId":"0662b86ae9219cc0bd926f1a366ad01b","pageNumber":null,"quote":"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.","recordId":"official-issuer:page:url:07552bcf9cc9ff6c427c0bb041c2e43d002e041cfa6a9635de659e83e73014fe","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:conditions"}],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"52443","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-14T08:23:52.898Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/es/business-banking/business-credit-cards/","passageId":"0662b86ae9219cc0bd926f1a366ad01b","pageNumber":null,"quote":"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.","recordId":"official-issuer:page:url:07552bcf9cc9ff6c427c0bb041c2e43d002e041cfa6a9635de659e83e73014fe","recordFields":[],"fieldKey":"apr:balance_transfer:introductory:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T08:23:52.898Z","sources":[{"snapshotId":"52443","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-14T08:23:52.898Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/es/business-banking/business-credit-cards/","passageId":"0662b86ae9219cc0bd926f1a366ad01b","pageNumber":null,"quote":"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.","recordId":"official-issuer:page:url:07552bcf9cc9ff6c427c0bb041c2e43d002e041cfa6a9635de659e83e73014fe","recordFields":[],"fieldKey":"apr:purchase:introductory:all:0"},{"snapshotId":"52443","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-14T08:23:52.898Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/es/business-banking/business-credit-cards/","passageId":"0662b86ae9219cc0bd926f1a366ad01b","pageNumber":null,"quote":"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.","recordId":"official-issuer:page:url:07552bcf9cc9ff6c427c0bb041c2e43d002e041cfa6a9635de659e83e73014fe","recordFields":[],"fieldKey":"apr:purchase:introductory:conditions"}],"purpose":"purchase","phase":"introductory","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":null,"rateTypeNullReason":"not_disclosed","minimumBps":0,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":0,"maximumBpsNullReason":null,"indexName":null,"marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":12,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":"not_applicable","eligibilityConditions":"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.","eligibilityConditionSources":[{"snapshotId":"52443","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-14T08:23:52.898Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/es/business-banking/business-credit-cards/","passageId":"0662b86ae9219cc0bd926f1a366ad01b","pageNumber":null,"quote":"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.","recordId":"official-issuer:page:url:07552bcf9cc9ff6c427c0bb041c2e43d002e041cfa6a9635de659e83e73014fe","recordFields":[],"fieldKey":"apr:purchase:introductory:conditions"}],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"52443","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-14T08:23:52.898Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/es/business-banking/business-credit-cards/","passageId":"0662b86ae9219cc0bd926f1a366ad01b","pageNumber":null,"quote":"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.","recordId":"official-issuer:page:url:07552bcf9cc9ff6c427c0bb041c2e43d002e041cfa6a9635de659e83e73014fe","recordFields":[],"fieldKey":"apr:purchase:introductory:all:0"}],"daily_periodic_rate":[],"margin":[]}}],"fees":[{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-14T08:23:52.898Z","sources":[{"snapshotId":"51210","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-13T19:43:27.418Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/business-banking/business-credit-cards/","passageId":"97ff5e3d4719f84248121f22b8d6628a","pageNumber":null,"quote":". No annual fee on our","recordId":"official-issuer:page:url:861657da5b6a08b2f139e2d652053cc161da47a2f7739647e9e5429f29bf9692","recordFields":[],"fieldKey":"annual_fee"},{"snapshotId":"52443","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-14T08:23:52.898Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/es/business-banking/business-credit-cards/","passageId":"0dfc60b79d7d2233c53ffc5b1e183c93","pageNumber":null,"quote":". No annual fee on our","recordId":"official-issuer:page:url:07552bcf9cc9ff6c427c0bb041c2e43d002e041cfa6a9635de659e83e73014fe","recordFields":[],"fieldKey":"annual_fee"}],"feeType":"annual","feeFrequency":"annual","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_offered","percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_applicable","feeScope":"account","calculation":null,"explanation":". No annual fee on our "},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T08:23:52.898Z","sources":[{"snapshotId":"52443","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-14T08:23:52.898Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/es/business-banking/business-credit-cards/","passageId":"ee3515efb3f49ba9bb79323423bfc044","pageNumber":null,"quote":"Low 2% balance transfer fee","recordId":"official-issuer:page:url:07552bcf9cc9ff6c427c0bb041c2e43d002e041cfa6a9635de659e83e73014fe","recordFields":[],"fieldKey":"fee:balance_transfer:1"}],"feeType":"balance_transfer","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_applicable","percentBps":200,"percentNullReason":null,"minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"percent_only","explanation":"Low 2% balance transfer fee"}],"cardTerms":null,"partialCardNetwork":{"network":"mastercard","sources":[{"snapshotId":"52443","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-14T08:23:52.898Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/es/business-banking/business-credit-cards/","passageId":"87105718a9e1b34c41edbbd87cf756ec","pageNumber":null,"quote":"Business Rewards Mastercard®","recordId":"official-issuer:page:url:07552bcf9cc9ff6c427c0bb041c2e43d002e041cfa6a9635de659e83e73014fe","recordFields":[],"fieldKey":"network"},{"snapshotId":"51210","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-13T19:43:27.418Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/business-banking/business-credit-cards/","passageId":"a8904371d6006f2c79789c3f83a5c4f5","pageNumber":null,"quote":"Business Rewards Mastercard®","recordId":"official-issuer:page:url:861657da5b6a08b2f139e2d652053cc161da47a2f7739647e9e5429f29bf9692","recordFields":[],"fieldKey":"network"}]},"signupBonuses":[{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-14T08:23:52.898Z","sources":[{"snapshotId":"51210","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-13T19:43:27.418Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/business-banking/business-credit-cards/","passageId":"f1578f9e9d7bb5a134c4af0d63219c17","pageNumber":null,"quote":"10,000 bonus points when you spend $500 in the first 90 days of card membership","recordId":"official-issuer:page:url:861657da5b6a08b2f139e2d652053cc161da47a2f7739647e9e5429f29bf9692","recordFields":[],"fieldKey":"signup_bonus"},{"snapshotId":"52443","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-14T08:23:52.898Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/es/business-banking/business-credit-cards/","passageId":"b39e37450cbc0aae6e235af57f75f033","pageNumber":null,"quote":"10,000 bonus points when you spend $500 in the first 90 days of card membership","recordId":"official-issuer:page:url:07552bcf9cc9ff6c427c0bb041c2e43d002e041cfa6a9635de659e83e73014fe","recordFields":[],"fieldKey":"signup_bonus"}],"bonusKey":"signup_bonus","qualifyingMonthsAfterAccountOpening":null,"qualifyingMonthsNullReason":"not_applicable","payoutWeeksMinimum":null,"payoutWeeksMaximum":null,"payoutWeeksNullReason":"not_applicable","payoutWeeksAnchor":null,"bonusPoints":10000,"minimumPurchaseCents":50000,"minimumPurchaseNullReason":null,"qualifyingDaysAfterAccountOpening":90,"qualifyingDaysNullReason":null,"statementCreditRedemptionCents":null,"statementCreditRedemptionNullReason":"not_disclosed","payoutStatementCyclesMinimum":null,"payoutStatementCyclesMaximum":null,"payoutStatementCyclesNullReason":"not_disclosed","expirationOn":null,"expirationNullReason":"not_disclosed","conditions":"10,000 bonus points when you spend $500 in the first 90 days of card membership","qualificationConditions":[],"qualificationConditionSources":[]}],"cardRewards":[],"cashBenefits":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T08:23:52.898Z","sources":[{"snapshotId":"52443","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-14T08:23:52.898Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/es/business-banking/business-credit-cards/","passageId":"cf130fc35bf7548774627980a5bcba41","pageNumber":null,"quote":"1.5% cash back on every purchase","recordId":"official-issuer:page:url:07552bcf9cc9ff6c427c0bb041c2e43d002e041cfa6a9635de659e83e73014fe","recordFields":[],"fieldKey":"card_cash_benefit"}],"benefitKey":"cashback","benefitKind":"cashback_earnings","percentBps":150,"percentNullReason":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","amountCents":null,"amountNullReason":"not_applicable","amountIsUpperBound":false,"minimumQualifyingSpendCents":null,"minimumSpendNullReason":"not_applicable","qualifyingDaysAfterAccountOpening":null,"qualifyingDaysNullReason":"not_applicable","recurrenceMonths":null,"recurrenceMonthsNullReason":"not_applicable","recurrenceAnchor":null,"recurrenceAnchorNullReason":"not_applicable","payoutStatementCyclesMinimum":null,"payoutStatementCyclesMaximum":null,"payoutStatementCyclesNullReason":"not_disclosed","conditions":"1.5% cash back on every purchase","qualificationConditions":null,"qualificationConditionSources":[]},{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T19:43:27.418Z","sources":[{"snapshotId":"51210","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-13T19:43:27.418Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/business-banking/business-credit-cards/","passageId":"4ff19b3d8d47ee64299b348de2c9968b","pageNumber":null,"quote":"1.5% cash back on every purchase","recordId":"official-issuer:page:url:861657da5b6a08b2f139e2d652053cc161da47a2f7739647e9e5429f29bf9692","recordFields":[],"fieldKey":"card_cash_benefit"}],"benefitKey":"purchase-cashback","benefitKind":"cashback_earnings","percentBps":150,"percentNullReason":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","amountCents":null,"amountNullReason":"not_applicable","amountIsUpperBound":false,"minimumQualifyingSpendCents":null,"minimumSpendNullReason":"not_applicable","qualifyingDaysAfterAccountOpening":null,"qualifyingDaysNullReason":"not_applicable","recurrenceMonths":null,"recurrenceMonthsNullReason":"not_applicable","recurrenceAnchor":null,"recurrenceAnchorNullReason":"not_applicable","payoutStatementCyclesMinimum":null,"payoutStatementCyclesMaximum":null,"payoutStatementCyclesNullReason":"not_disclosed","conditions":"1.5% cash back on every purchase","qualificationConditions":null,"qualificationConditionSources":[]}],"cardLinks":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T08:23:52.898Z","sources":[{"snapshotId":"52443","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-14T08:23:52.898Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/es/business-banking/business-credit-cards/","passageId":"2099e9ef855afeb2dd337d980c12ca3f","pageNumber":null,"quote":"Solicite ahora","recordId":"official-issuer:page:url:07552bcf9cc9ff6c427c0bb041c2e43d002e041cfa6a9635de659e83e73014fe","recordFields":[],"fieldKey":"card_link"}],"linkKey":"application","linkKind":"application","url":"https://harvardfcu.akouba.io/","label":"Solicite ahora"},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T08:23:52.898Z","sources":[{"snapshotId":"52443","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-14T08:23:52.898Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/es/business-banking/business-credit-cards/","passageId":"e507ccbf2f4fdad932e44f47f3722424","pageNumber":null,"quote":"Credit Card Agreement","recordId":"official-issuer:page:url:07552bcf9cc9ff6c427c0bb041c2e43d002e041cfa6a9635de659e83e73014fe","recordFields":[],"fieldKey":"card_link"}],"linkKey":"card-agreement","linkKind":"disclosure","url":"https://harvardfcu.org/wp-content/uploads/2026/07/Business-Rewards-Credit-Card-Agreement.pdf","label":"Credit Card Agreement"}],"cardWithholdings":[{"observationKind":"card_apr","fieldKey":"intro-and-regular-apr","reason":"unparsed_value","detail":"The regular APR minima conflict on the retained page (17.24% versus 17.49%); no regular rate is selected. The consistent 0% introductory APR is typed separately.","sources":[{"snapshotId":"52443","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-14T08:23:52.898Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/es/business-banking/business-credit-cards/","passageId":"0662b86ae9219cc0bd926f1a366ad01b","pageNumber":null,"quote":"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.","recordId":"official-issuer:page:url:07552bcf9cc9ff6c427c0bb041c2e43d002e041cfa6a9635de659e83e73014fe","recordFields":[],"fieldKey":"withheld:card_apr:intro-and-regular-apr"}]},{"observationKind":"card_apr","fieldKey":"alternate-apr","reason":"unparsed_value","detail":"The regular APR minima conflict on the retained page (17.24% versus 17.49%); no regular rate is selected. The consistent 0% introductory APR is typed separately.","sources":[{"snapshotId":"52443","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-14T08:23:52.898Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/es/business-banking/business-credit-cards/","passageId":"815080335a1cbf6380e87ac95caef5e4","pageNumber":null,"quote":"low as 17.49% to 18.00% APR","recordId":"official-issuer:page:url:07552bcf9cc9ff6c427c0bb041c2e43d002e041cfa6a9635de659e83e73014fe","recordFields":[],"fieldKey":"withheld:card_apr:alternate-apr"}]},{"observationKind":"card_apr","fieldKey":"regular-apr-first","reason":"unparsed_value","detail":"Ongoing APR conflicts with the second rate block: 17.24%–18.00% here versus 17.49%–18.00% there.","sources":[{"snapshotId":"51210","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-13T19:43:27.418Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/business-banking/business-credit-cards/","passageId":"95c6a14a91f2e4ddb03526d160fdd175","pageNumber":null,"quote":"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.","recordId":"official-issuer:page:url:861657da5b6a08b2f139e2d652053cc161da47a2f7739647e9e5429f29bf9692","recordFields":[],"fieldKey":"withheld:card_apr:regular-apr-first"}]},{"observationKind":"card_apr","fieldKey":"regular-apr-second","reason":"unparsed_value","detail":"Ongoing APR conflicts with the first rate block: 17.49%–18.00% here versus 17.24%–18.00% there.","sources":[{"snapshotId":"51210","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-13T19:43:27.418Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/business-banking/business-credit-cards/","passageId":"10da5d2da5f0003ae0d0265115c2b7b1","pageNumber":null,"quote":"low as 17.49% to 18.00% APR","recordId":"official-issuer:page:url:861657da5b6a08b2f139e2d652053cc161da47a2f7739647e9e5429f29bf9692","recordFields":[],"fieldKey":"withheld:card_apr:regular-apr-second"}]},{"observationKind":"card_apr","fieldKey":"intro-duration","reason":"unparsed_value","detail":"The main introductory offer says 12 months, while this footnote says 12 billing cycles; retain the 0% rate and withhold its conflicting duration unit.","sources":[{"snapshotId":"51210","sourceKind":"official_issuer","publisherName":"HARVARD","capturedAt":"2026-10-13T19:43:27.418Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://harvardfcu.org/business-banking/business-credit-cards/","passageId":"05b1c5135f614ea44af7d3bf5bca4204","pageNumber":null,"quote":"2. First year for Rate consists of the first 12 billing cycles.","recordId":"official-issuer:page:url:861657da5b6a08b2f139e2d652053cc161da47a2f7739647e9e5429f29bf9692","recordFields":[],"fieldKey":"withheld:card_apr:intro-duration"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]}],"documents":[]}}