Login

Credit Cards

Credit Cards

A credit card is a flexible way to make purchases now and pay them off later, in either one payment or multiple payments. All of our credit cards come with EMV smart chip technology,  mobile purchasing capability (Apply Pay®, Android Pay®, Samsung Pay®, and Microsoft Wallet) for added convenience, and more.

Apply for a Credit Card Learn About Mobile Payment Options Manage Credit Card Account

 

FIND A CARD WITH FEATURES THAT MATTER TO YOU:

 

Visa Bonus

Rewards to Use the Way You Want1

Visa® Real Rewards Card

Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back).5

Plus earn 2,500 bonus reward points after your first purchase.3
 

Learn More | Apply Today
Visa Bonus PLUS

Earn Rewards While Building Credit

Visa® College Real Rewards Card

Earn 1.5 points monthly for every dollar you spend on eligible net purchases.4 There's no cap or limit on the points you can earn, plus you have five years to redeem points for rewards.4

2,500 bonus rewards points awarded after first purchase3, redeemable for $25 cash back, merchandise, gift cards, or travel savings.
 

Learn More | Apply Today
AmEx Cash Rewards

Flexible Cash Rewards

Cash Rewards American Express® Card

Earn cash back1 every time you use your card: 3% on the first $6,000 in eligible net purchases made each year at gas stations,2,4 2% at eligible supermarket net purchases, and 1% on all other eligible net purchases.

Plus get $25 cash back3 after your first purchase.3
 

Learn More | Apply Today
AmEx Travel Rewards

Earn Up to 4x Rewards

Premier Rewards American Express® Card

Earn up to 4X points for every $1 spent on eligible net restaurant purchases,6 3X points for every $1 spent on eligible net airline purchases, 2X points for every $1 spent on eligible net gas purchases, and 1X point for every $1 spent on all other eligible purchases.

Plus earn 10,000 one-time bonus rewards after you spend $1,000 in the first three months.3 Also, receive reimbursement for either Global Entry or TSA Pre✔®.7
 

Learn More | Apply Today
Visa Platinum

Pay Down Balances

Visa® Platinum Card

Save on interest witha a great low-introductory rate for an extended time. Pay down other credit card balances faster with this non-rewards card.
 

Learn More | Apply Today
Visa Secured

Building Credit2

Visa® Secured Card

Start building (or rebuilding) your credit history, even if you've been turned down for other credit cards, with flexible credit lines based on a security deposit and a low annual fee.
 

Learn More | Apply Today

1 Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles.

2Cash Rewards Card: Cash back rewards are the rewards you earn under the program. Rewards are tracked as points and each point in Cash back rewards earned is equal to $0.01. You may simply see "cash back" in material when referring to the rewards you earn. You will earn one reward point for each dollar of eligible net purchases charged to your account during each billing cycle. You will also earn one additional point (for a total of two points) for each dollar of eligible net purchases charged to your account during each billing cycle for any merchant classified as a supermarket. The number of additional points earned on supermarket purchases is unlimited. In addition, you will earn two additional points (for a total of three points) for each dollar of net purchases charged to your account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations, up to a maximum of $6,000 spent during each 12-month period commencing on the anniversary date of the account. Automated fuel dispenser and service station purchases above $6,000 (for the remainder of that 12-month period) will earn at a rate of one point per dollar of net purchases charged to your account during each billing cycle. Points expire five years from the end of the quarter in which they are earned.

3Bonus rewards points or cash back will be applied six to eight weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening.

4The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as advances, balance transfers, and convenience checks. Upon approval, see your Cardmember Agreement for details. You may not redeem points, and you will immediately lose all of your points, if your account is closed to future transactions (including, but not limited to, due to program misuse, failure to pay, bankruptcy, or death).

5Real Rewards: You will earn 1.5 reward points for each dollar of eligible net purchases made with your account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.

6Premier Rewards Card Points: You will earn one reward point for each dollar of eligible net purchases charged to your account during each billing cycle. You will also earn one additional point (for a total of two points) for each dollar of net purchases charged to your account during each billing cycle at merchants which categorize their business as a service station or automated fuel dispensers. You will earn two additional points (for a total of three points) for each dollar of net purchases charged to your account during each billing cycle at merchant locations that are classified in the merchant category code of airlines. You will earn three additional points (for a total of four points) for each dollar of net purchases charged to your account during each billing cycle at any merchant classified as a restaurant. Points expire five years from the end of the quarter in which they are earned.

7Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new cardmembers upon approval.

8Late payments and going over the credit limit may damage your credit history.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.

 
COMMON QUESTIONS
 

Not seeing your question? Try a search.

  • Footer Image 1
  • Footer Image 2
  • Footer Image 3
  • Footer Image 4
  • Footer Image 5
  • Footer Image 6
  • Footer Image 7
  • Footer Image 8
  • Footer Image 9
  • Footer Image 10
  • Footer Image 11
  • Footer Image 12
Harborstone Credit Union

Copyright © 2018 Harborstone Credit Union
All rights reserved.

P.O. Box 4207, Tacoma, WA 98438-0207
Transit/ABA Routing Number: 325180870

Contact Us