Harvard Alumni Association Credit Card
Harvard Alumni Association Credit Card
Harvard Alumni Association Credit Card
Card details
Earn 1 point per $1 spent on purchases
Redeem Crimson Rewards for gift cards or cash
Approximately 1 cent per 1 point redemption value
Rates, fees & offers
Annual fee
$0
Rewards rate
1.00%
Bonus offer
5,000 Retailer Points Bonus
Intro APR
Purchase: None
Transfer: 0% for 6 mos
Ongoing APR
Purchase: 7.24%
Penalty APR: Up to 30.99%
Cash Advance APR: 25.99%
Foreign transaction fee
None
Recommended credit score
Compare to other cards
Harvard Alumni Association Credit Card | ||
---|---|---|
Learn more | Learn more | |
Annual fee$0 | Annual fee$99 | Annual fee$199 |
Regular APR7.24% | Regular APRSee Terms | |
Intro APRPurchase: None | Intro APR0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, 21.24%, 25.24%, or 29.99%. | Intro APRN/A |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
By NerdWallet
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Rating details
3
Editor's overall rating
Pros and cons
Pros
No annual fee
0% for 6 mos on transfers
No foreign transaction fee
Cons
Needs excellent credit
This card is unusually good in two main respects.
First, it is one of few credit cards with no foreign transaction fee out there. You can see from our list that there are only about 6 of these offers out there, plus the Capital One cards.
Second, it is one of the few credit cards that has no balance transfer fee AND a 0% introductory balance transfer promotion. It is usually the case that credit cards with 0% introductory balance transfer offers have a 3% to 5% fee upfront. Combine that with the unusually low APR rate, and this is one of the best balance transfer credit card deals around. However, it may not be the best. As you can see from our balance transfer card comparison calculators, there are numerous 0% for 18+ month balance transfer deals that are effectively a lower APR than the Harvard Alumni card on a 2 year time frame.
Other less notable positives about the Harvard Alumni MasterCard.
In addition to having no foreign transaction fee and no balance transfer fee, the card has no cash advance fee and no annual fee. This makes it a solid choice for travelers, and for those who wish to keep their credit card open for years in order to maintain a long dated credit history, which is very important for maintaining a good credit score.