The Har-co Credit Union is a business credit card from Har-co Credit Union. The annual fee is no annual fees. ever.. The ongoing APR is as low as 11.49% after promo after a 0% for 12 months on purchases and balance transfers introductory rate for 12 months. Approval typically requires a credit score of Good (670+) or higher. Rewards: 5% local cashback 2% everywhere else. Cash back: 2% everywhere else + 5% at local favorites. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).