Last Updated: 07/28/2025
Harborstone CU Reserve Rewards Credit Card
Unaffiliated
in Credit Cards from Harborstone Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
19.74% - 29.74%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
19.74% - 29.74%(Verified 06/21/2024)
Credit Score Range
720 - 850
Annual Fee
$390
Harborstone CU Reserve Rewards Credit Card Review
This is a travel card issued by Harborstone Credit Union. If you're wondering whether Harborstone CU Reserve Rewards 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 19.74% up to 29.74%.
- A 3% balance transfer fee. Harborstone CU Reserve Rewards Credit 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.
- Multiple 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.
- Excellent credit required. You will have good approval odds if you have an excellent credit score.
Pros & Cons of Harborstone CU Reserve Rewards Credit Card
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Harborstone CU Reserve Rewards Credit Card FAQ
Does Harborstone CU Reserve Rewards Credit Card have a cash back or rewards program?
Harborstone CU Reserve Rewards Credit Card is a travel rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Travel | Up to 6 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | Up to 2 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Harborstone CU Reserve Rewards Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Harborstone CU Reserve Rewards Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Harborstone CU Reserve Rewards Credit Card benefits?
Harborstone CU Reserve Rewards Credit Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Harborstone CU Reserve Rewards Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Harborstone CU Reserve Rewards Credit Card has a variable purchase APR that ranges from 19.74% up to 29.74%. The card has a variable balance transfer APR that ranges from 19.74% up to 29.74%. It also has a variable cash advance APR of 29.99% .
Does Harborstone CU Reserve Rewards Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Harborstone CU Reserve Rewards Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Harborstone CU Reserve Rewards Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $390 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $390.
What is the customer service phone number for Harborstone CU Reserve Rewards Credit Card?
The customer service number for Harborstone CU Reserve Rewards Credit Card is (253) 584-2260.
What is the support contact email for Harborstone CU Reserve Rewards Credit Card?
The support contact email for Harborstone CU Reserve Rewards Credit Card is hcu.comments@harborstone.com.
What is the login page for Harborstone CU Reserve Rewards Credit Card?
You can access the login page of Harborstone CU Reserve Rewards Credit Card here.
How do people rate the customer service and user experience of Harborstone CU Reserve Rewards Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Harborstone CU Reserve Rewards Credit Card report your account activity to credit bureaus?
Yes, Harborstone CU Reserve Rewards Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does Harborstone Credit Union perform a hard credit pull?
Yes, Harborstone CU Reserve Rewards Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Harborstone CU Reserve Rewards Credit Card
- Visit the website of Harborstone CU Reserve Rewards Credit Card.
- 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.
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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