Your new hometown advantage.

Har-co card

No credit score needed. Plus, get rewarded with 5% back at your favs including @ Amazon®, Door Dash®, and bookstores. Easily apply for the best student credit card in a few minutes.

Easily Apply Online

Exclusively for those who have a primary address, work, or worship in Harford County, MD. Must be entering or enrolled in a college, trade school or apprenticeship.

Discover the benefits.
no annual fees.

5% Cash Back
Earn unlimited 5% cash back on every purchase from Amazon®, Doordash®, and college bookstores1
1% Cash Back
Earn unlimited 1% cash back on everything else! No need to do complex math, we'll credit your statement every quarter with your cash back earned.
0% APR2 for 6 months
Interest free for six months so you can focus on your next chapter.

After 6 months, interest ranges from 16.24% to 18.00% APR2
No credit score required
We understand you're just starting out and may not have any credit yet. This card is meant to help you build your credit while rewarding you at the same time.
Easily manage your card
Manage the student advantage credit card with real-time controls including locks and alerts, so you know exactly what is being charged.
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designed for harco.
built by Har-co.

1. Amazon and Doordash are registered trademarks and are not sponsors of this offer. 2. APR = Annual Percentage Rate. Rates quoted are subject to change. 3 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.

Application and Solicitation Disclosure
Credit Card Disclosure and Agreement

Rewards details.

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.

Cashback 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
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Discover® is a registered trademarks of Discover Bank