The Black Har-co is a personal credit card from Black Har-co. The annual fee is no annual fees. ever.. The ongoing APR is as low as 11.49% after a 0% for 12 months on purchases and balance transfers introductory rate for 12 months. Approval typically requires a credit score of Excellent Credit or higher. Rewards: Up to 5% Cash back on local businesses and 2% on all other purchases with the Har-co card..