Classic Rewards Visa® / Premier Black Visa®

Whether it’s an everyday low fixed interest rate, a credit 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 credit card offers worldwide acceptance with the convenience of local service right here at the credit union.

Great News! We are pleased to announce coming soon, our credit cards will offer contactless – tap to pay option. Watch for details.

Credit Card Rates

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 a ScoreCard point 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

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
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, call 218-722-9242 or stop by any of our 3 locations for your VISA® application

Classic VISA® with ScoreCard 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 ScoreCard program that pays you for using your VISA® card. For each dollar you charge on your Harbor Pointe VISA® card you will earn one point on ScoreCard. 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
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, call 218-722-9242 or stop by any of our 3 locations for your VISA® application

*Classic Visa® with ScoreCard Rewards requires an active checking account. ScoreCard points have a 36-month expiration.

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 218-722-9242 or stop by any of our 3 locations for your VISA® application

Lost or Stolen Harbor Pointe VISA® Credit Card

Please Call: 1-800-991-4961
International: 410-581-3836