LendingHookup.

Harbor Trust credit cards

A small-business focused issuer with flexible bonus categories and competitive transfer offers.

Cards tracked
2
APR range
17.99%–27.99%
Annual fees
$0
Headquarters
Austin, TX

Card categories

Business rewards

Choose-your-own 3% quarterly category with free employee cards.

Balance transfer

18 months of 0% intro APR on transfers and purchases.

Rewards, APRs and fees at a glance

CardRewardsIntro offerAPR rangeAnnual feeTransfer fee
Harbor Flex Business3% in a category you choose each quarter, 1.5% on everything else$900 est. value after $7,500 in 3 mo20.49%–27.49% variable$04% (min $5)
Harbor ClearPath Transfer1.5% cash back on all purchases once the intro period ends0% APR for 18 mo17.99%–27.99% variable$03% (min $5)

Pros

  • Flexible bonus categories
  • No annual fees
  • Lowest APR floor in our comparison set

Cons

  • Business card bonus needs high spend
  • Rewards rates are modest outside bonus categories

All Harbor Trust cards

Harbor Trust
Harbor Flex Business
•••• •••• •••• 0000
BusinessRewardsCash back

Harbor Flex Business

Category flexibility for small teams with lumpy spend.

Purchase APR
20.49%–27.49% variable
Annual fee
$0
Balance transfer fee
4% (min $5)
Foreign transaction fee
None
Rewards
3% in a category you choose each quarter, 1.5% on everything else

Intro offer: $900 in statement credits after qualifying spend — estimated value $900, requires $7,500 in spend within 3 months.

Intro APR: 0% for 12 months on purchases, then 20.49%–27.49% variable.

  • Free employee cards
  • Choose your own 3% category
  • No annual fee
  • High required spend for the bonus
  • Business documentation required
Compare this cardAbout Harbor Trust

Rates and fees are estimates and vary by creditworthiness. See full disclosure below.

Harbor Trust
Harbor ClearPath Transfer
•••• •••• •••• 0000
Balance transferCash back

Harbor ClearPath Transfer

Pay down a balance now, earn cash back after.

Purchase APR
17.99%–27.99% variable
Annual fee
$0
Balance transfer fee
3% (min $5)
Foreign transaction fee
3%
Rewards
1.5% cash back on all purchases once the intro period ends

Intro APR: 0% for 18 months on balance transfers and purchases, then 17.99%–27.99% variable.

  • 18 months 0% on transfers and purchases
  • Lowest ongoing APR floor in our set
  • No annual fee
  • Modest rewards rate
  • 3% transfer fee
  • Foreign transaction fee
Compare this cardAbout Harbor Trust

Rates and fees are estimates and vary by creditworthiness. See full disclosure below.

Illustrative cards & advertiser disclosure. LendingHookup is a comparison experience. The cards, issuers, rates and offers currently shown are illustrative examples, not live offers. We may receive compensation if affiliate offers are added. Rewards and intro values are estimates; required spend, annual fees, transfer fees and variable APRs apply. Approval is not guaranteed. Review the issuer’s current terms before applying.

Atlas BankNorthline FinancialMeridian Card Co.