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Harborstone Credit Union Cash Rewards American Express® Card review

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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.

$25

Welcome offer

Up to 3%

Cash back

$0

Annual fee

0%

Intro Purchase APR

for the first 6 billing cycles (then 13.49% to 17.99% variable)

Details

Product NameHarborstone Credit Union Cash Rewards American Express® Card
Card typeAmerican Express
Annual fee$0
Purchase APR0% intro for the first 6 billing cycles (then 13.49% to 17.99% variable)
Balance transfer APR0% intro for the first 6 billing cycles (then 13.49% to 17.99% variable)
Balance transfer fee$5 or 3% of the transaction, whichever is greater
Cash advance rate13.74% to 17.99% variable
Cash advance fee$10 or 4% of the cash advance amount, whichever is greater
Foreign transaction fee2% of the transaction value
Interest free periodUp to 24 days
Late payment feeUp to $39
Returned payment feeUp to $35
Rates & feesrates & fees

Expert review

Kliment Dukovski

Review by


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.

Expert review

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.

Another everyday rewards card

Citi Rewards+℠ Card

  • The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.99% - 24.99%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • Earn 2x ThankYou® Points at supermarkets and gas stations for the first $6,000 per year and then 1x points thereafter. Plus, earn 1x points on all other purchases.
  • The standard variable APR for Citi Flex Plan is 14.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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Card benefits

  • 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 13.49% 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

  1. Visit the Harborstone Credit Union website and locate the card.
  2. Click Learn more | Apply now and then Apply now once more.
  3. Fill out the application form with your personal and financial information.
  4. Request a balance transfer or add an authorized user if you want to.
  5. 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

Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Everyday® Card from American Express
$150 after spending $1,000 in the first 3 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
Capital One® Quicksilver® Cash Rewards Credit Card
$150 cash back after spending $500 in the first 3 months
1.5% cash back on all purchases
$0
Earn unlimited 1.5% cash back on every purchase, every day.
CardMatch™ from creditcards.com
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See terms
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Can't decide on a card? Get personalized credit card offers with CardMatch™.
Blue Cash Preferred® Card from American Express
$250 after spending $1,000 in the first 3 months
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
$95
6% cash back at US supermarkets. Rates & fees
Chase Freedom Unlimited®
$150 after spending $500 in the first 3 months
1.5% cash back on all purchases
$0
Earn a $150 signup bonus after spending $500 in the first 3 months from account opening.

Compare up to 4 providers

Bottom line

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.

Frequently asked questions

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