Visa Credit Cards | HAR-CO Credit Union


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  Cash Back  Local Cash Back Intro Rate APR1 Balance Transfer Fee


Gold Card

2% 5% 0% APR for 12 months on all Purchases and Balance Transfers2 

7.99% or 9.45% APR3 



Silver Card

1% 10.99% - 16.99% APR3  3% of the balance transfer
1APR = Annual Percentage Rate. Rates quoted are effective May 13, 2021 and subject to change. 2Any existing balances on Har-co Credit Union loans or credit card accounts are not eligible for the Introductory APR for Balance Transfers. 3Actual rate based on creditworthiness. This APR will vary with the market based on the Prime Rate.

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*You will be leaving the Har-co site to apply.

5% sub-banner
Merchant List
Rewards Details

No confusing rewards program. No separate online portal requiring another password.

At Har-co, your cash back will be credited automatically, every quarter. We do all the work, you get your money. Our 5% merchants include Vagabond Sandwich Co., The Arena Club, Independent Brewing, Charm City Run (Bel Air Location), and Magerks (Bel Air Location).

Actual credits will occur during the first month following the quarter:

January - March: Paid April

April - June: Paid July

July - September: Paid August

October - December: Paid January

Both cards have the following benefits
  • No annual fees. Ever.
  • EMV Chip Security Card

Secured 3.25% APR1

  • You decide your limit based on secured funds2
  • Instant-issue ready to use EMV chip card
  • 1% Cash Back on Purchases
  • No cash advance fee or annual fee
  • Secured by savings account
  • CardValet® Mobile App
1APR = Annual Percentage Rate. This APR will vary with the market based on the Prime Rate. Rates quoted are effective May 13, 2021 and subject to change. 2Secured collateral must be funds from savings account. Subject to credit approval. Membership eligibility is required. Please refer to the terms and conditions of the credit card agreement for complete details. CardValet is a registered trademark of Fiserv, Inc.

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Visa Disclosure

Information above was accurate as of June 1, 2021. Rates and Terms are subject to change. Current rates and terms can be obtained from:30 N. Hickory Avenue, Bel Air, Maryland 21014. Important information regarding rate, fee and other cost information can be found on the VISA Application and Solicitation Disclosure and the Rewards Program Terms. To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at

How Long Will it Take to Pay Off my Credit Card?


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Notify Har-co of your travel dates to prevent any unnecessary blocks on your VISA® Debit or VISA® Credit Cards.


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