Harborstone Credit Union College Real Rewards Card

Harborstone Credit Union College Real Rewards Card Review

This is a rewards card issued by Harborstone Credit Union. If you're wondering whether harborstone credit union is the right card for you, read on.

Key Takeaways

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
• After your first purchase, you'll get 2,500 bonus rewards points.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 19.24% up to 29.24%.
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. Harborstone Credit Union College Real Rewards Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
• Good or better credit required. You will have low approval odds if your credit score is below 670.

Pros & Cons of harborstone credit union

The Good

The Bad

0% APR balance transfer intro rate on balance transfers for up to 6 months. 0% APR on new purchases during the first 6 months. There is then a variable purchase APR that ranges from 19.24% up to 29.24%. No annual fee. Extended warranty on purchases. Identity Theft Protection. Cardholders can earn rewards on their purchases. Harborstone Credit Union College Real Rewards Card reports to multiple credit bureaus.

Higher than average purchase APRs. You need good credit to qualify. Does not offer a signup bonus. Charges a foreign transaction fee of 3%. You don't earn rewards on every purchase. Charges a 3% balance transfer fee

harborstone credit union FAQ

Does harborstone credit union have a cash back or rewards program?

harborstone credit union is a rewards card.

harborstone credit union Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

What are the harborstone credit union benefits?

It provides the following benefits:

• Extended Warranty Protection
• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for harborstone credit union?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Harborstone Credit Union College Real Rewards Card has a variable purchase APR that ranges from 19.24% up to 29.24%. The card has a variable balance transfer APR that ranges from 19.24% up to 29.24%. It also has a variable cash advance APR of 29.99% .

The good news is this card does not charge a penalty APR if you are late on a payment.

What are the fees for harborstone credit union?

The following fees apply:

harborstone credit union Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$
Initial Program Fee	$
Foreign Transaction Fee	3%
Returned Payment Fee	Starting at $ up to $41
Late Payment Fee	Starting at up to $41

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Harborstone Credit Union College Real Rewards Card report your account activity to credit bureaus?

Yes, Harborstone Credit Union College Real Rewards Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for harborstone credit union

• Visit the harborstone credit union website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.