Harvard Alumni Association Credit Card

Harvard Alumni Association Credit Card

Harvard Alumni Association Credit Card

Harvard Alumni Association Credit Card

Harvard Alumni Association Credit Card

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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

Barclaycard Harvard Alumni Association Credit Card

Harvard Alumni Association Credit Card

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
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Annual fee

$0

Annual fee

$99

Annual fee

$199

Regular APR

7.24%

Regular APR

21.24%, 25.24%, or 29.99%, Variable APR

Rates & Fees

Regular APR

See Terms

Intro APR

Purchase: None

Intro APR

0% 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 APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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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.