Last Updated: 04/18/2025
Harborstone CU Smart Business Rewards Visa Credit Card
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Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
21.24% - 26.24%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
21.24% - 26.24%(Verified 06/21/2024)
Annual Fee
$0 - $95
Credit Score Range
690 - 850
Harborstone CU Smart Business Rewards Visa Credit Card Review
This is a rewards card issued by Harborstone Credit Union. If you're wondering whether Harborstone CU Smart Business Rewards Visa Credit Card is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 21.24% up to 26.24%.
- Rewards program. This credit card offers rewards on your purchases, but you will have to pay an annual fee of up to $95 for the privilege.
- $0 intro annual fee for the first year. Harborstone CU Smart Business Rewards Visa Credit Card gives you the chance to have the card for a year without paying the $0 annual fee.
- Multiple business credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Harborstone CU Smart Business Rewards Visa Credit Card
| The Good | The Bad |
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What are the relevant APRs?
This business credit card has a variable purchase APR that ranges from 21.24% up to 26.24% . The card has a variable balance transfer APR that ranges from 21.24% up to 26.24% .
It also has a variable cash advance APR of 29.99%. Note that late payments are subject to an APR of 32.49% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does it have an introductory APR offer?
Yes, this business card offers an introductory APR rate on balance transfers of 3% for a period of 5 months from account opening.
This business card does not offer an introductory rate on new purchases.| Purchase APR | 21.24% - 26.24% |
| Balance Transfer APR | 21.24% - 26.24% |
| Cash Advance APR | 29.99% |
| Penalty APR | 32.49% |
What fees does it charge?
The following fees apply to this business credit card:
- There is no annual fee.
- A late payment penalty of up to $39 .
- A returned payment fee of $35.
| Fees | Amount |
| Annual Fee | $0 |
| Returned Payment Fee | $35 |
| Late Payment Fee | $19 to $39 |
Does it offer a cash back or rewards program?
Yes, Harborstone CU Smart Business Rewards Visa Credit Card offers a rewards program to its customers.
This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories | Every Purchase | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Every Purchase
Does it have a sign up bonus?
This business credit card doesn't offer a cash signup bonus.
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed