Personal banking
Credit Cards
Earn rewards on everyday purchases and manage every detail of your card in online banking: freeze it, set limits, pay early and turn on autopay.
Cardinal Rewards
Earn 1.5 points per dollar on every purchase with no categories to track.
Harbor Business Card
Employee cards, expense reports and 2 points per dollar on office supplies and shipping.
Built in controls
Freeze the card, set spending limits and get alerts for every purchase.
At a glance
- Cards
- Cardinal Rewards and Harbor Business
- Rewards
- 1.5 points per dollar on Cardinal Rewards, and 2 points per dollar on office supplies and shipping with Harbor Business
- Interest rate
- Variable APR, shown on the Rates page
- Grace period
- 25 days on new purchases
- Foreign transaction fee
- $0
- Controls
- Freeze the card, set limits and get purchase alerts
Pay the way you prefer
Choose to pay the minimum, the statement balance or a fixed amount each month. Autopay draws from any checking account you own and can be changed at any time.
- Autopay minimum, statement balance or a fixed amount
- Due date reminders by email and in the app
- No foreign transaction fees
Understand the cost
Interest applies only to balances you carry past the due date. Pay your statement balance in full each month and you pay no interest on purchases.
- Variable APR shown on the Rates page
- A 25 day grace period on new purchases
- Late and returned payment fees are listed on the Fees page
Which card is right for you
Both cards give you the same controls in online banking. They differ in who they are for and how they earn rewards.
- Cardinal Rewards: 1.5 points per dollar on every purchase, with no categories to track
- Harbor Business: employee cards, spending controls and 2 points per dollar on office supplies and shipping
Payments and due dates
Your minimum payment, statement balance and due date appear on the card page. Pay from any checking account you own.
- Pay the minimum, the statement balance or a fixed amount
- Autopay can be changed or turned off at any time
- Due date reminders arrive by email and in online banking
- A late payment fee applies after the due date, and it is waived the first time
Getting a card
- 1
Start an application
Send a secure message from online banking or call us to begin.
- 2
We review your application
We look at income, credit history and existing debt together.
- 3
Activate your card
When it arrives, activate it from Cards in online banking.
- 4
Set your controls
Choose limits, alerts and an autopay option that suits you.
Frequently asked questions
Quick answers about credit cards.
How are rewards redeemed?
What credit score do I need?
How do I report a lost card?
How do I pay my credit card bill?
When is my payment due?
What if I lose my card?
Ready to get started?
Open an account online in about ten minutes, or talk to us first. You will need your address, date of birth and an email address.