Your
‍hometown advantage.

No credit score needed. Plus, get rewarded with 5% back at @ Amazon®, Door Dash®, and bookstores. Easily apply for the best student credit card and responsibly build credit in a few minutes.

Exclusively for those who have a primary address, work, or worship in Harford County, MD. Must be entering or enrolled in a college, trade school or apprenticeship.

Discover the benefits.
no annual fees. ever.

5% Cash Back

Earn unlimited 5% cash back on every purchase from Amazon®, Doordash®, and college bookstores¹

1% Cash Back

Earn unlimited 1% cash back on everything else! No need to do complex math, we'll credit your statement every quarter with your cash back earned.

0% APR² for 6 months

Interest free for six months so you can focus on your next chapter.

After 6 months, interest ranges from 12.49% to 18.00% APR²

No credit score required

We understand you're just starting out and may not have any credit yet. This card is meant to help you build your credit while rewarding you at the same time.

Easily manage your card

Manage the student advantage credit card with real-time controls including locks and alerts, so you know exactly what is being charged. Add your card to Apple Pay, Samsung Pay, or Google Pay.

Apply Online

designed for harco.
‍built by Har-co.

1. Amazon and Doordash are registered trademarks and are not sponsors of this offer. 2. APR = Annual Percentage Rate. Rates quoted are subject to change. 3 Any existing balances on Har-co Credit Union loans or credit card accounts are not eligible for the Introductory APR for Balance Transfers. Actual rate based on creditworthiness. This APR will vary with the market based on the Prime Rate.

Application and Solicitation Disclosure
Credit Card Disclosure and Agreement

Build credit responsibly in 3 easy steps.

Apply online and receive your card in a few days.

Earning cash back rewards

No confusing rewards program. No separate online portal requiring another password. No need to opt-in to the rewards like Discover®. With the Student Advantage credit card, your cash back will be credited automatically, every quarter. We do all the work, you get your money.

Apply Online