The Black card is here.

Say goodbye to Gold and hello to Black. This all-new credit card will replace the Gold Har-co card with the same great cash back and intro benefits.

Apply online >
Har-co card5% cash back on local favorites each quarter, 0% Intro APR for 12 months on purchases and balance transfers, 2% cash back on all purchases, 0% balance transfer fees consolidate all non Har-co cards
The all new
Har-co card

Black/Gold Credit Card

Silver Credit Card

Designed for Harford County. Built by Har-co.

Har-co cardHar-co silver classic card

Cash Back



5% Local Cash Back

Intro Rate

0% APR2 for 12 months on all Purchases and Balance Transfers


7.99% or 9.45% APR3

10.99% - 16.99% APR3

Balance Transfer Fee


3% of the balance transfer

No Annual Fees

1. APR = Annual Percentage Rate. Rates quoted are effective November 9, 2021 and 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. 3 Actual rate based on creditworthiness. This APR will vary with the market based on the Prime Rate.

Our 5% cash back partners.

Vagabond Sandwich CoThe Arena ClubMagerksCharm City Run Bel AirIndependent Brewing CoHarford Vineyard & Winery
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), Magerks (Bel Air Location) and Harford Vineyard & Winery. Actual credits will occur during the first month following the quarter:

January - March: Paid April
April - June: Paid July
July - September: Paid October
October - December: Paid January

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!

Apply Online

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Note: You will be directed to the application site and leaving the Har-co site.

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.