Platinum Rewards+ — Harvard Federal Credit Union is a personal credit card from Harvard Federal Credit Union. The annual fee is $0. The ongoing APR is 17.24% to 18.00% based on creditworthiness; variable with the Prime Rate (terms page checked 2026-10-13, page undated) after a 0.00% intro APR on purchases and balance transfers for the first 12 billing cycles from date of account opening introductory rate. Signup bonus: 10,000 bonus points when you spend $500 in the first 90 days of card membership. Rewards: 1.5% cash back rewards on everything; travel and merchandise rewards also available; points do not expire. Loan terms: Revolving; due date at least 25 days after each billing cycle closes; Installment Payments Program available to split large purchases. This product reports activity to your personal credit report. EXPERT REFERENCE (Jun 2025): Harvard FCU approved for $25,000