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Mastercard2/4 on file
✓ Annual fee checked
Harvard Federal Credit Union · Mastercard

Platinum MasterCard

No Annual Fee

The Platinum MasterCard is a Mastercard from Harvard Federal Credit Union with an annual fee of $0. Here is what we hold on it, and what we do not.

Not every figure here is checked

Checked against a published document: annual fee (Oct 2026). Not yet checked with Harvard Federal Credit Union: foreign transaction fee and purchase APR. Harvard Federal Credit Union’s own page is authoritative — confirm anything you rely on there before you apply.

Annual fee$0per yearChecked harvardfcu.org
Top earn rateNot confirmed
Welcome offerNot confirmed
Browse other cardsNo application link on file · apply through Harvard Federal Credit Union directly

Credit union with branches in: Massachusetts (6). Where it has branches is not a rule on who may apply.

Source: NCUA call report (ncua.gov) · read Oct 7, 2026

Ledger entry

The receipt

Every cost line we hold for the Platinum MasterCard, exactly as recorded.

Annual fee
$0Checked harvardfcu.org
Supplementary card
Not confirmed
Foreign transaction
1%Not yet checked with Harvard Federal Credit Union
Purchase APR
13.24%–18%Not yet checked with Harvard Federal Credit Union
Income requirement
Not confirmed
Network
Mastercard
Credit needed
Not confirmed
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the Platinum MasterCard. That may mean there isn’t one, or simply that we have not recorded it — Harvard Federal Credit Union’s own page is the place to check.

Rewards

What it earns

No earn rates on file

We hold no category earn rates for the Platinum MasterCard. Rather than print a multiplier we cannot source, this stays blank until Harvard Federal Credit Union’s own terms give us one.

Next step

Ready to apply for the Platinum MasterCard?

We hold no application link for this card. Harvard Federal Credit Union takes applications on their own site — or compare the alternatives we do have links for.

Browse alternatives
Questions

Questions about the Platinum MasterCard

How much is the Platinum MasterCard annual fee?

The Platinum MasterCard has an annual fee of $0. Weigh that against the rewards and perks you will actually use.

What does the Platinum MasterCard earn?

We hold no category earn rates for the Platinum MasterCard. It earns rewards on eligible purchases, but we do not print a multiplier we cannot source from Harvard Federal Credit Union's terms.

What network is the Platinum MasterCard on?

The Platinum MasterCard runs on the Mastercard network, which determines where it is accepted and which network-level benefits apply.

Is the Platinum MasterCard available in United States?

Yes — the Platinum MasterCard is issued by Harvard Federal Credit Union and is available to eligible applicants in United States. Approval depends on the issuer's own credit and income criteria.

When were the Platinum MasterCard figures last checked?

We checked its annual fee in October 2026, against a published document. Not yet checked with Harvard Federal Credit Union: foreign transaction fee and purchase APR. Terms can change without notice, so confirm the current details with Harvard Federal Credit Union before you apply.