Harborstone Credit Union Cash Rewards American Express® Card review
Earn cash back on gas and supermarket purchases.
- Get this card if you mostly spend on gas and at supermarkets.
- Pick something else if you want a higher rewards rate.
- Apply with a good credit score of 670 or higher.
Up to 3%
Intro purchase APR
for the first 6 billing cycles (then 11.99% to 17.99% variable)
|Product Name||Harborstone Credit Union Cash Rewards American Express® Card|
|Card type||American Express|
|Purchase APR||0% intro for the first 6 billing cycles (then 11.99% to 17.99% variable)|
|Balance transfer APR||0% intro for the first 6 billing cycles (then 11.99% to 17.99% variable)|
|Balance transfer fee||$5 or 3% of the transaction, whichever is greater|
|Cash advance rate||11.99% to 17.99% variable|
|Cash advance fee||$10 or 4% of the cash advance amount, whichever is greater|
|Foreign transaction fee||2% of the transaction value|
|Interest free period||Up to 24 days|
|Late payment fee||Up to $40|
|Returned payment fee||Up to $35|
|Rates & fees||rates & fees|
Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.
The Harborstone Credit Union Cash Rewards American Express® Card is a no-annual-fee cashback card for those who mostly spend on gas and at supermarkets. Using this card, you also get a small welcome offer and can save money on interest with a short intro APR period on balance transfers and purchases.
But if you’re looking to earn a more generous signup bonus, or a longer intro APR period, similar cashback cards may be a better choice.
- Cash back.
Earn 3% cash back on gas purchases on up to $6,000 annually. After that, your rate reverts to 1% cash back for the rest of the year. Purchases at supermarkets earn 2% back, and everything else you buy earns 1% cash back.
- Welcome offer.
Earn a $25 bonus after you make your first purchase. This is a less-than-stellar deal given that similar credit cards come with a welcome offer of up to $200.
- Intro APR period.
Get 0% intro APR period on balance transfers and purchases for the first 6 billing cycles. A variable APR of 11.99% to 17.99% applies thereafter.
- No annual fee.
You get to earn cash back without paying an annual fee for the life of the card.
What to watch out for
- Foreign transaction fees.
Using your card while abroad or with foreign merchants online will cost you a 2% fee if the transaction is made in US dollars and a 3% fee if it’s made in foreign currency.
- Balance transfer limitations.
You can only use the intro APR period if you make your balance transfers within your first 186 days days when you open your account. Otherwise, the standard APR will apply.
How to apply for the Harborstone Credit Union Cash Rewards American Express® Card
- Visit the Harborstone Credit Union website and locate the card.
- Click Learn more | Apply now and then Apply now once more.
- Fill out the application form with your personal and financial information.
- Request a balance transfer or add an authorized user if you want to.
- Review the application form and submit.
What credit score do I need?
You need at least a good credit score of 670 or higher to increase your chances of approval.
Compare cashback credit cards
If you’re looking for a card with accelerated cash back on gas and supermarket purchases, the Harborstone Credit Union Cash Rewards American Express® Card could be an option.
However, make sure to compare similar credit cards as you may find one with better value.