ScoreCard Rewards

Earning rewards is easy! Simply use your Harbor Visa® Rewards card for all of your purchasing needs such as gas, groceries, and gifts. For every dollar you spend, you'll earn 1 point to redeem for merchandise, travel, and other rewards.

ScoreMore Bonus Points

ScoreCard® gives you more bonus points! Get 2X, 3X, 4X, or more with ScoreMore, a special feature that allows you to earn additional bonus points at participating retailers online and in-store. Choose from a robust catalog of rewards — name brand items, vacations, and more! Featuring over 1,600 choices! Visit to take a peek at the kinds of rewards you can look forward to earning.

Why Choose ScoreCard From Harbor?
  • No annual fees
  • No penalty APRs
  • No balance transfer fees
  • Name-brand merchandise and travel rewards
  • Earn 1 point per $1 spent.  Please note that balance transfers and cash advances are excluded from earning ScoreCard points
  • Points do not expire
  • Score Deals — nationwide and local merchant discounts and special offers within the ScoreCard website

Harbor Credit Union® is a member focused financial cooperative committed to building our members' financial well-being and becoming their primary financial institution.

Verified By Visa

Verified by Visa is a global solution designed to make online purchases more secure by helping ensure payments are made by the rightful owner of the Visa account.

Learn how Verified by Visa® works.

Money iQ Videos & Tips
MoneyiQ: Credit Card Interest MoneyiQ: Store Credit Card MoneyiQ: Tips on Raising Credit Score MoneyiQ: Harbor Credit Union's Financial Wellness Center

Gain purchasing power and convenience.

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

9.5% - 25.5%

based upon your creditworthiness
APR for Balance Transfers 9.5% - 25.5% based upon your creditworthiness
APR Cash Advances 9.5% - 25.5% based upon your creditworthiness
Penalty APR and When It Applies None
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge None
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at


 Transaction Fees:

Balance Transfer Fee


Cash Advance Fee


Foreign Transaction Fee

 1% of each transaction

Transaction Fee for Purchases


 Penalty Fees:

 Late Payment Fee

 Up to $25.00

Over-the-Credit-Limit Fee


 Returned Payment Fee

 Up to $25.00

How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)".

Effective Date: The information about the costs of the card described in this application is accurate as of January 1, 2017. This information may have changed after that date. To find out what may have changed, contact the Credit Union.


  • Late Payment Fee - $25.00 or the required minimum payment, whichever is less, if you are five (5) or more days late making a payment
  • Returned Payment Fee - $25.00 or the required minimum payment, whichever is less
  • Statement Copy Fee - $3.00
  • Document Copy Fee - $3.00
  • Emergency Card Replacement Fee - $50.00
  • Card Replacement Fee - $5.00
  • Same Day Card Change Fee - $10.00