Classic or Premier Black Visa® Credit Cards
Whether it’s an everyday low fixed interest rate, a card with fantastic rewards or a share secured card for those starting out or wanting to establish good credit, we have the right card for you! Our card offers worldwide acceptance with the convenience of local service right here at the credit union.
Credit Card Services | |||||
|---|---|---|---|---|---|
| Card Type | APR* | Annual Fee | Balance Transfer Fee | Features | Collision & Theft Coverage on Auto Rentals & Travel Insurance |
| Premier Black VISA Card | 11.74% – 15.74% | None | No fee | Low rate, 25-day grace period. | Included |
| Classic VISA with Rewards | 14.25% – 17.99% | None | No fee | Earn points for each dollar charged. Redeem points for travel, gift cards and merchandise. 25-day grace period. | Included |
| Share Secured VISA | Choose Premier or Rewards Card – same rates apply. | None | No fee | For those starting out or rebuilding credit. No credit check needed. No cosigner needed. 25-day grace period. | Included |
| Share Secured Student VISA | Choose Premier or Rewards Card – same rates apply. | None | No fee | Students 18 and older. No credit check needed. No cosigner needed. Build good credit. 25-day grace period. | Included |
Benefits include:
Premier Black VISA Card
- Low variable rate based on your credit score, the better your score, the lower the rate!
- Protection for online purchases through Verified by VISA
- No annual fee
- 25 day grace period
- Free Online Access to pay your bill and review your VISA account
- Auto Rental Collision Damage Waiver details here
- No-Cost Travel Accident Insurance on common air, land or sea carriers – up to $250,000 coverage
- Local service for your card right at the credit union
- Apply online here, call 722-9242 or stop by any of our 3 locations for your VISA application
Classic VISA with Rewards**
- Low variable rate based on your credit score, the better your score, the lower the rate!
- Protection for online purchases through Verified by VISA
- No annual fee
- 25 day grace period
- Free Online Access to pay your bill and review your VISA account
- A free Score Card program that pays you for using your VISA card. For each dollar you charge on your Harbor Pointe VISA card earn one point on the Score Card. Collect points for airline tickets, hotel stays, car rentals, gift cards, merchandise and even use points to erase recent merchant transactions – redeem points to receive a transaction credit!
- Auto Rental Collision Damage Waiver details here
- No-Cost Travel Accident Insurance on common air, land or sea carriers – up to $250,000 coverage
- Local service for your card right at the credit union
- Apply online here, call 722-9242 or stop by any of our 3 locations for your VISA application
Share Secured / Student Share Secured VISA Card (18 & older)
Harbor Pointe offers a share secured and student share secured VISA as another credit card alternative on both of our card programs. This is an excellent option for students 18 and up heading to college or those with no credit history as well as anyone that would like to re-establish good credit
- No credit check is needed for a Share Secured VISA
- A freeze is placed on funds in your savings account matching the VISA credit you request. For example you would like a $500 credit line, $500 is frozen in your savings account
- Make normal monthly payments on your VISA card to establish credit
- Lowest card rate based on the card you choose applies to a share secured card
- Apply Online here, Call 722-9242 or stop by any of our 3 locations for your VISA application
Credit Card rate based on your credit score:
Classic Visa
14.25% 700+ score
15.50% 680-729 score
17.00% 640-679 score
17.99% 639 score and below
*APR = Annual Percentage Rate, card rates based on credit score.
**A Superior Rewards membership status is required for VISA with ScoreCard Rewards
Lost or Stolen Harbor Pointe VISA Credit Card
Please Call: 1-800-991-4961
International: 410-581-3836
Now Available! Paperless VISA statements! Details!
