Mobile Menu Button

Routing #291973687

Call Today! 218.722.9242
Routing #291973687
Hours & Locations »
Online Banking
Login Here
Hours & LocationsOnline Banking
Login Here

Premier Black or Classic Visa© Credit Cards

 Whether it’s an everyday low fixed interest rate, a card with fantastic rewards or a share secured card for teens or someone 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 TypeAPR*Annual FeeBalance Transfer FeeFeaturesCollision & Theft Coverage on Auto Rentals & Travel Insurance
Premier Black
VISA Card
 9.74% – 13.74%NoneNo feeLow rate, 25-day grace period.Included
Classic VISA with
Rewards
12.25% – 15.99%NoneNo feeEarn points for each dollar charged. Redeem points for travel, gift cards and merchandise.
25-day grace period.
Included
Share Secured VISAChoose Premier or Rewards Card – same rates apply.NoneNo feeFor those starting out or rebuilding credit.  No credit check needed. No cosigner needed. 25-day grace period.Included
Share Secured Student VISAChoose Premier or Rewards Card – same rates apply.NoneNo feeStudents 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! Rates from 9.74% to 13.74% APR*
  • 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! Rates from 12.25% to 15.99% APR*
  • 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
12
.25% 700+ score
13.50% 680-729 score
15.00% 640-679 score
15.99% 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!