Credit Card Rates - Harvard University Employees Credit Union

HUECU’s current Credit Card rates as of January 1, 2021.

Current Rates

Annual Percentage Rate
(APR) for Purchases

Platinum MasterCard^®0.00% intro APR for the first 12 billing cycles, then 9.74% to 17.99% based on your creditworthiness. After that, your rate will vary with the market based on Prime Rate plus a margin.
Platinum Rewards MasterCard^®0.00% intro APR for the first 12 billing cycles, then 11.74% to 17.99% based on your creditworthiness. After that, your rate will vary with the market based on Prime Rate plus a margin.
Platinum Rewards+ MasterCard^®0.00% intro APR for the first 12 billing cycles, then 13.74% to 18.00% based on your creditworthiness. After that, your rate will vary with the market based on Prime Rate plus a margin.

APR for Cash Advances

Platinum MasterCard®
9.74% to 17.99% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Platinum Rewards MasterCard®
11.74% to 17.99% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Platinum Rewards+ MasterCard®
13.74% to 18.00% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers⁴

Platinum MasterCard®
0.00% intro APR for the first 12 billing cycles, then 9.74% to 17.99%. After that, your rate will vary with the market based on Prime Rate plus a margin.
Platinum Rewards MasterCard®
0.00% intro APR for the first 12 billing cycles, then 11.74% to 17.99%. After that, your rate will vary with the market based on Prime Rate plus a margin.
Platinum Rewards+ MasterCard®
0.00% intro APR for the first 12 billing cycles, then 13.74% to 18.00%. After that, your rate will vary with the market based on Prime Rate plus a margin.

HOW TO AVOID PAYING INTEREST ON PURCHASES — To avoid paying interest on purchases you must pay the entire outstanding balance from the prior monthly billing cycle within the grace period. HOW WE WILL CALCULATE YOUR BALANCE: We use a method called “average daily balance (including new purchases)”.

Fees and Charges
Annual Fee	None
Late Payment Fee	$10.00 or 10% of the outstanding balance, whichever is less.
Return Check Fee	$4.50
Replacement Card Fee	$20.00
Emergency Replacement Card Fee	$50.00
Foreign Transaction Fee	1.00% of each transaction in US dollars.
⁴Balance Transfer Fee	2%

1. The Annual Percentage Rate applicable to your account will depend on your credit score and will be disclosed to you by the time you receive your card. Subject to credit approval.
2. The index is the Prime Rate as most recently published in the Wall Street Journal before the beginning of each monthly billing cycle.
3. To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Bank.
4. 2% balance transfer fee.

Click here to view the credit card agreement and Platinum Rewards+ rewards program details and Platinum Rewards rewards program details.