How can I redeem my Harvard Credit Card points?
You can redeem your Harvard Credit Card points online for:
- Cash back
- Travel
- Harvard Coop gift cards
- Merchandise
- The Harvard Chair
Excellent Credit, Good Credit
$0
0% intro APR for 12 months, 14.99% - 18% (V) APR after that
0% intro APR for 12 months, 14.99% - 18% (V) APR after that
Balance Transfer Fee
Earn 10,000 bonus rewards points when you spend $500 in the first 90 days of card membership.
$1 cash back for every $100 you spend.
Double points for gas, grocery and dining purchases and 1 point per $1 spent on all other purchases.
Double points on the first $50,000 spent towards Harvard University gifts per year.
Your points are worth 25% more when you redeem them for travel. No restrictions. No blackouts. Valid toward any commercial flight, hotel, cruise, car rental, and more.
Redeem points for Cash Back, Travel, Premium merchandise, Harvard Coop Gift Cards or The Harvard Chair.
World Mastercard Benefits such as: Concierge Services, Travel Accident and Luggage Insurance, Extended Warranty Program, Master Rental Coverage, Global Service and Identity Theft Resolution Services.
cash advance fee | $0 |
cash advance APR | 14.99% - 18% (V) |
foreign transaction fee | $0 |
smart chip | Yes, chip-and-PIN |
max late fee | $10.00 or 10% of the outstanding balance, whichever is less. |
max overlimit fee | $0 |
max penalty APR | None |
grace period | 25 days |
No membership fees
0% intro APR on purchases
0% intro APR on balance transfers
High rewards rate
Balance transfer fee
Requires good/excellent credit
annual fee$0 | annual fee$0 | annual fee$0 |
Purchase Intro APR0% for 12 months | Purchase Intro APR0% for 6 months | Purchase Intro APRNot Offered |
transfer intro apr0% for 12 months|Transfer Fee: 2% | transfer intro apr10.99% for 6 months|Transfer Fee: 3% intro balance, up to 5% fee on future balance transfers (see terms)* | transfer intro aprNot Offered |
Regular APR14.99% - 18% (V) | Regular APR18.24% - 27.24% Variable | Regular APR19.99% - 29.99% (V) |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Sponsored Apply Now | Sponsored Apply Now |
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You can redeem your Harvard Credit Card points online for:
The Harvard Credit Card's starting credit limit is $500. But it can be more if your credit score and income are high enough. Your debt obligations will also be taken into account when the issuer decides about your credit limit.
The Harvard Credit Card approval requirements include having at least good credit and being either a Harvard University alumni or an employee.
You are also required to provide certain information on the Harvard Credit Card application, like your name, address and birthdate, for starters. The address must be a physical U.S. location and not a P.O. Box. You also need a Social Security Number (SSN) and to be at least 18 years old.
In addition, the issuer...
Yes, the Harvard Credit Card does a hard pull on your credit report when you apply for the card. A hard pull usually results in a slight decrease in an applicant's credit score, but the effect only lasts for a short period of time. The hard inquiry allows the issuer to determine your credit risk and ultimately decide whether you'll be approved for an account.
The Harvard Credit Card requires at least good credit to be approved. You can...
Harvard Alumni Rewards points are worth 1.13 cents per point, on average. The value of Harvard Alumni Rewards points depends on how they are redeemed. For example, points from Harvard Alumni Rewards are worth up to 1.25 cents each when redeemed for travel, and they are worth 1 cent each when redeemed for cash back.
Harvard Alumni Rewards Point Values
Redemption Method | Average... | Value of 1,000 Points |
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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
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