Here then. Here now. Here always.
Exclusively for Harvard alumni, the Harvard Alumni World MasterCard® is built on what lasts
and designed for what’s next. Enjoy 0% intro APR for 12 months, a low 2% balance transfer
fee, and global benefits that travel with you—from Cambridge to anywhere.
The benefits are clear.
Zero-interest for a year
0.00% APR for 12 months on purchases and balance transfers.²
Followed by standard APR as low as 13.99-18.00%.
Low or no fees
No annual fee.
No foreign transaction fees.
Balance transfer fee is just a low 2%.
Exclusive Harvard Benefits
Earn double points for gifts to Harvard University.
Every card supports Harvard financial aid programs.
Automatic, no-cost membership to Harvard Federal Credit Union.
Earn 2X Points
Get points for every dollar you spend.
Earn double points for gas, groceries, and dining.
10,000 Bonus Points
Score more points, fast.
Spend $500 in the first 90 days of card membership to earn 10,000 bonus points.
Points Never Expire
Accumulate points and keep them indefinitely for future use.
Points won’t expire as long as your account remains open.
Cardholder Benefits
No matter where you are in the world, enjoy the full suite of perks and global benefits that come with the Harvard Alumni Card. For additional rewards and a complete overview of your MasterCard® protections, view the MasterCard® Guide to Benefits.
Zero Liability
You’re protected from unauthorized charges if your card is ever lost or stolen.
I.D. Theft Protection
Your account is monitored in real-time to keep your information safe.
Fraud and Transaction Alerts
Receive instant text or email alerts when unusual account activity is detected.
Global Service
Get 24-hour assistance anywhere in the world through MasterCard® Global
Services.
Travel Insurance
Travel with confidence knowing you’re protected when the unexpected happens.
FICO Score
Receive free access to your FICO credit score when you open your new cardholder account.
Rewards That Reflect Your Journey
Cash Back
Get $1 back for every $100 spent. Redeem points for cash back as a statement credit or a deposit to your Harvard FCU account.
Travel Rewards
Get 25% more value when you redeem points for travel. Use toward flights, hotels, car rentals,
cruises, and more with no blackout dates or restrictions.
The Harvard Chair
Own a piece of tradition. Use your points toward an iconic Harvard Chair, a lasting symbol of alumni pride for generations.
Harvard Coop Gift Cards
Stay connected to campus wherever you are. Your points go further when redeeming for Harvard Coop gift cards.
Premium Merchandise
Choose from hundreds of trusted brands. Redeem points for quality merchandise through our exclusive shopping portal.
Questions about
the Harvard Alumni Card?
New Applicants
Sat. 8:30 am – 12:00 pm
Current Cardholders
1 Double points awarded on the first $50,000 spent towards Harvard University gifts per year.
2 Annual Percentage Rate (APR). The introductory APR is good for 12 billing cycles from the open date of the new card.
After the intro APR expires, your APR will be 14.99% to 18.00%, based on your creditworthiness and credit approval.
This APR will vary with the market based on the Prime Rate.
3 Fees may apply.
© Harvard Federal Credit Union. All rights reserved.
Payment Mailing Address: Harvard Alumni Card, PO Box 37603, Philadelphia PA 19101-0603
