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Verdict: If your credit score is high, the Harris Bank Platinum Plus MasterCard Credit Card with WorldPoints might make financial sense. That’s because you’ll receive a low purchase interest rate. At the same time, you’ll be able to earn rewards points for every dollar that you charge with this card. If your credit score is weak, though, your purchase interest rate might soar above 20 percent. That can make this an expensive card if you carry a balance from month to month.
Overview: This card comes with no annual fee. And depending upon your creditworthiness, you’ll also benefit from an introductory interest rate of 0 percent on all purchases and balance transfers for either seven or 10 billing cycles after you activate your account.
How This Card Works: The Harris Bank Platinum Plus MasterCard with WorldPoints Rewards, operates like most standard rewards cards: You’ll earn points with every charge that you make. You can then redeem these points for merchandise, travel rewards, hotel stays or cash.
Travel and Shopping Benefits: You’ll earn one WorldPoint for every dollar that you charge with this card. There are no limits to the number of points that you can earn, and points are good for five years. The card also gives you access to the MyConcierge service, a type of personal assistant. You’ll also receive free protection against fraudulent purchases when your card is lost or stolen. Finally, you’ll receive a $50 gift certificate after the first purchase you make with this card.
Fees: The purchase interest rate with this card is determined by your creditworthiness. If your credit is good, you’ll qualify for a rate as low as 12.99 percent. If your credit is weak, your rate can be as high as 20.99 percent. Cash advances cost $10 or 4 percent of the advance amount, whichever is higher. Late-payment fees can run as high as $35, while the card’s returned-payment fee is $25.
- No annual fee.
- Reasonable interest rate if your credit is high.
- Solid rewards program.
- Interest rate can soar past 20 percent if your credit is weak.
- Rewards program offers little flexibility.