the best credit card lineup. ever.

Har-co card

At the top of the lineup: the award-winning Har-co card - the only credit card you'll need, with up to 2% cashback everywhere + 5% at local favorites. For students, we offer the new Student Advantage card - designed to give those starting out a financial advantage. Simple, transparent, for you.

Apply Online

Our credit card lineup.
no annual fees. ever.

Black Har-co card
Excellent Credit
Rewards
5% local cashback
2% everywhere else
APR1
0% for 12 months on purchases and balance transfers -
as low as 12.24% after promo
Balance Transfer2
0% Fee
Apply online
Silver Har-co card
Good Credit
Rewards
5% local cashback
1% everywhere else
APR1
0% for 12 months on purchases and balance transfers -
as low as 14.74% after promo
Balance Transfer2
3% of the balance transfer
Apply online
new! Student Advantage
Good or No Credit
Rewards
5% at amazon®, doordash®, college bookstores*
1% everywhere else
APR1
0% for 6 months on purchases and balance transfers -
as low as 12.24% after promo
Balance Transfer2
3% of the balance transfer
Apply online
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designed for harco.
‍built by Har-co.

1. APR = Annual Percentage Rate. Rates quoted are subject to change. 2 Any existing balances on Har-co Credit Union loans or credit card accounts are not eligible for the Introductory APR for Balance Transfers. Actual rate based on creditworthiness. This APR will vary with the market based on the Prime Rate. 3 Amazon and Doordash are registered trademarks and are not sponsors of this offer.

Application and Solicitation Disclosure
Credit Card Disclosure and Agreement

Support local. Get rewarded with 5% cash back.

Use your Black or Silver Har-co card at our below favorites and earn 5% cash back automatically.

Find your dream car here.

We've made it even easier to find your next car. Whether your next car is for commuting to work, driving around town, or enjoying the backroads, find it here - featuring our partnered dealerships.

Our
5% cash back
‍local favorites.

Vagabond Sandwich CoThe Arena ClubMagerksCharm City Run Bel AirIndependent Brewing CoHarford Vineyard & WineryHarford Vineyard & WineryHarford Vineyard & WineryHarford Vineyard & WineryHarford Vineyard & Winery
Note: By clicking on a partners logo you will be leaving the Har-co site.

Earning cash back rewards

No confusing rewards program. No separate online portal requiring another password. No need to opt-in to the rewards like Discover®. With the Student Advantage credit card, your cash back will be credited automatically, every quarter. We do all the work, you get your money.

Apply Online

  • January - March: Paid out on April Statement

  • April - June: Paid out on July Statement

  • July - September: Paid out on October Statement

  • October - December:  Paid out on January Statement

Discover® is a registered trademark of Discover Bank

Building credit?
Secured Visa.

Apply today >

You decide your limit based on secured funds

Instant-issue ready to use EMV chip card

1% Cash Back on Purchases

No cash advance fee or annual fee

Secured by share account

CardValet® Mobile App

Give the universal gift of a Visa® gift card.

> Non-reloadable prepaid VISA® cards.
> Purchase for any occasion for yourself or give as a gift.
> $10 minimum up to $1,000 maximum per card.
> Purchase fee per card may apply. See service charge fees for details.

Check your balance

Use your Har-co card anytime, anywhere.

Please notify Har-co of your travel dates before you fly to ensure a smooth trip!

Frequently asked questions.

How will I get notified if my rate changes?

If your rate changes, it will appear on your monthly statement. No separate notice will be sent.

Does the Secured Visa get cash back?

The Secured Visa earns 1% cash back on all purchases! If you want to earn 5% cash back on local purchases, you'll have to apply for the new Har-co card.

What do I do if my card has been stolen or lost?

If your VISA® Debit or VISA® Credit Card is lost or stolen, IMMEDIATELY notify the credit union by calling 410.838.9090 during regular business hours. If you discover your card is lost or stolen when the credit union is closed, report your card lost/stolen by dialing 1.800.472.3272.

What happens if fraudulent activity is suspected?

If fraudulent activity is suspected, the Fraud Monitoring Service automated notification system will call you directly at your current phone number on file to verify transactions. Based on your instructions, Har-co's Fraud Monitoring Service can permanently block your card, place a temporary block on your card, or they can take no action at all and close the alert.

How is my Visa® debit and credit card protected against fraud?

Har-co Credit Union uses a powerful tool for early detection of fraudulent activity on your Har-co VISA® Debit or VISA® Credit Card. You are automatically protected 24/7. All you need to do is call us at 410.838.9090 to keep your phone numbers up-to-date.