Harvard University Employees CU Platinum Credit Card

Harvard University Employees CU Platinum Credit Card Review

This is a card issued by Harvard University Employees CU. If you're wondering whether Harvard University Employees CU Platinum Credit Card 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 12 months, which is the average period for 0% APR balance transfer cards.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
• Competitive APRs. Harvard University Employees CU Platinum Credit Card has a variable purchase APR that ranges from 13.99% up to 18%.
• No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• 2% Balance transfer fee. Harvard University Employees CU Platinum Credit Card charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
• Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of Harvard University Employees CU Platinum Credit Card

Harvard University Employees CU Platinum Credit Card FAQ

Does Harvard University Employees CU Platinum Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Harvard University Employees CU Platinum Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• Travel Accident Insurance
• Reports to major credit bureaus

What are the relevant APRs for Harvard University Employees CU Platinum Credit Card?

Harvard University Employees CU Platinum Credit Card has a variable purchase APR that ranges from 13.99% up to 18%. The card has a variable balance transfer APR that ranges from 13.99% up to 18%. It also has a variable cash advance APR that ranges from 13.99% up to 18%.

What are the fees for Harvard University Employees CU Platinum Credit Card?

The following fees apply:

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

Does Harvard University Employees CU Platinum Credit Card report your account activity to credit bureaus?

Yes, Harvard University Employees CU Platinum Credit 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 Harvard University Employees CU Platinum Credit Card

• Visit the Harvard University Employees CU Platinum Credit Card 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.