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  Harvard University Employees CU Platinum Rewards Credit Card

Harvard University Employees CU Platinum Rewards Credit Card

in Personal Credit Cards from Harvard University Employees CU

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Harvard University Employees CU Platinum Rewards Credit Card

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in Personal Credit Cards from Harvard University Employees CU

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Highlights
Purchase APR  (Variable APR) 11.74% - 17.99%
Balance Transfer APR  (Variable APR) 11.74% - 17.99%
Credit Score Range 650 - 850
Annual Fee $0

Harvard University Employees CU Platinum Rewards Credit Card Review

This is a rewards credit card issued by Harvard University Employees CU. If you're wondering whether Harvard University Employees CU Platinum Rewards Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a cashback rewards rate of up to 3%.
  • 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.
  • Signup bonus. Offers a signup bonus of 10000 points after spending $500 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Harvard University Employees CU Platinum Rewards Credit Card has a variable purchase APR that ranges from 11.74% up to 17.99%.
  • 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.
  • 2% Balance transfer fee. Harvard University Employees CU Platinum Rewards 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 650.
Pros & Cons of Harvard University Employees CU Platinum Rewards Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • 0% APR on new purchases during the first 12 months.
  • No annual fee.
  • Identity Theft Protection.
  • Travel accident insurance.
  • Cardholders can earn rewards on purchases everywhere Harvard University Employees CU Platinum Rewards Credit Card is accepted.
  • Harvard University Employees CU Platinum Rewards Credit Card reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 1%.
  • Charges a 2% balance transfer fee.
Harvard University Employees CU Platinum Rewards Credit Card FAQ

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

Harvard University Employees CU Platinum Rewards Credit Card is a rewards card.

Harvard University Employees CU Platinum Rewards Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate 3x
Annual rewards limit N/A
Signup Bonus (Points/Miles) 10000
Signup Bonus Spend Requirement $500
Signup Bonus Spend Period (months) 3 months

Does Harvard University Employees CU Platinum Rewards Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 10000 points signup bonus after spending $500 that can be redeemed for travel, gifts, or other perks.

Does Harvard University Employees CU Platinum Rewards Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

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

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

It has a variable purchase APR that ranges from 11.74% up to 17.99%. The card has a variable balance transfer APR that ranges from 11.74% up to 17.99%. It also has a variable cash advance APR that ranges from 11.74% up to 17.99%.

Does Harvard University Employees CU Platinum Rewards Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.

Harvard University Employees CU Platinum Rewards Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 11.74% - 17.99%
Balance Transfer Fee % 2%

Does Harvard University Employees CU Platinum Rewards Credit Card have an intro APR offer on new purchases?

Harvard University Employees CU Platinum Rewards Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 12 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.

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

The following fees apply:

Harvard University Employees CU Platinum Rewards Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee $4.5
Late Payment Fee up to $10

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

Does Harvard University Employees CU Platinum Rewards Credit Card have a foreign transaction fee?

Harvard University Employees CU Platinum Rewards Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Harvard University Employees CU Platinum Rewards Credit Card?

The Harvard University Employees CU Platinum Rewards Credit Card customer service number is (617) 495-4460.

What is the support contact email for Harvard University Employees CU Platinum Rewards Credit Card?

The support contact email for Harvard University Employees CU Platinum Rewards Credit Card is huecu@harvard.edu.

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

Yes, Harvard University Employees CU Platinum Rewards 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 Rewards Credit Card

  • Visit the Harvard University Employees CU Platinum Rewards 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 4:00pm
  • Tuesday 8:00am - 4:00pm
  • Wednesday 8:00am - 4:00pm
  • Thursday 8:00am - 6:00am
  • Friday 8:00am - 4:00pm
  • Saturday 8:00am - 12:00pm

About Harvard University Employees CU Platinum Rewards Credit Card

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View all personal credit cards offered by Harvard University Employees CU

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1%
Returned Payment Fee $4.50
Late Fee Amount Up to $10
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
  • Travel Accident Insurance
Rewards Rates
  • Gas
  • Groceries
  • Every Purchase
Signup Bonus (points) 10,000
Cash Advance APR (Variable APR) 11.74% - 17.99%
Balance Computation Average daily balance (including new purchases).
Purchase APR (Variable APR) 11.74% - 17.99%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 11.74% - 17.99%
Balance Transfer Fee % 2%
Card Type
  • Rewards
Card Network Mastercard

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