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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.
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$25

Welcome offer

Up to 3%

Cash back

$0

Annual fee

0%

Intro purchase APR

for the first 6 billing cycles (then 11.99% to 17.99% variable)

Details

Annual fee$0
Welcome Offer$25 after your first purchase
Rewards3% cash back on the first $6,000 annually at gas stations, then 1%, 2% at supermarkets and 1% back on all other purchases
Purchase APR0% intro for the first 6 billing cycles (then 11.99% to 17.99% variable)
Balance transfer APR0% intro for the first 6 billing cycles (then 11.99% to 17.99% variable)
Recommended minimum credit score670
IssuerAmerican Express
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Review by


Kliment Dukovski is a credit cards and investments 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.

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.

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 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.

Compare cashback credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Preferred® Card from American Express
Up to $350: 20% back on Amazon.com purchases in the first 6 months for up to $200 back, plus $150 statement credit after you spend $3,000 in the first 6 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 (redeem as statement credit)
$0 intro annual fee for the first year ($95 thereafter)
Earn up to $350. In your first 6 months, you can earn a $150 statement credit when you spend $3,000, and earn 20% back on Amazon purchases made with your card, up to $200 total. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
Blue Cash Everyday® Card from American Express
Up to $250: 20% back on Amazon.com purchases in the first 6 months for up to $150 back, plus $100 statement credit after spending $2,000 within the first 6 months
3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and select US department stores and 1% on all other purchases (redeem as statement credit)
$0
Earn up to $250. You'll get 20% back on Amazon.com purchases in the first six months for up to $150 back, and $100 after you spend $2,000 in the first six months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees
Chase Freedom Unlimited®
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores (not including Target® or Walmart®) on up to $12,000 in the first yeares) on up to $12,000 spent in the first year
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
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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.

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