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Our $50 Credit Card Bonus is Back!

Open a new Heritage Visa® credit card and get a $50 bonus.° Plus, 0% APR* on balance transfers for 12 months.**

Hurry! This bonus offer ends December 31. Use promo code 50CCWEB when you apply online.

Do you have high balances on your non-Heritage credit cards?

Pay less each month with our balance transfer promo rate — as low as 0% APR* for 12 months when you open a new low rate or rewards Visa®.** After that, APR is variable, currently 9.49% – 17.24%. See disclosure below for details, including how your grace period may be impacted. 

Or, have a question about credit cards? Talk to a loan officer >

A table comparing Visa® credit cards

Visa® Signature Rewards

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Visa® Platinum Low Rate

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Visa® Platinum Secured

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Rack up points for cash back, travel and merchandise.

Get a low, competitive interest rate, with fewer fees.

Easily start or rebuild credit.

Minimum Credit Line




No Fee Balance Transfers

No Annual Fee

No Penalty Rate (APR)

Cash Advance Rate Same As Purchase Rate (APR)

Design Your Own Card

No Card Reorder Fee

Online Access & Statements

Travel Insurance

Promotional Rate (when in effect)





Cash Back



Free Annual Summary



Heritage credit cards have the EMV chip. Find out more >

Important Information and Disclosures

Visa® Credit Card Disclosures >

Consumer Credit Card Agreement >

Travel Insurance - Platinum >

Travel Insurance - Signature >

Printable Application >


°Subject to qualified credit. New members: subject to member eligibility and an initial deposit of $5 into a primary savings account, which must remain open for 12 months. Accountholder must be 16 years of age or older. Qualifying accounts must be opened from October 28 - December 31, 2019. Cannot use multiple offers on same product. Promotions can change or end at any time. One $50 offer per individual. Bonus may be taxable as income and reported on IRS Form 1099-INT. Must not have had an open Heritage credit card in the 6 months prior to opening the new credit card. $50 will be credited to your Heritage credit card account within 30 days of activation of the new Heritage credit card. Card must be activated within 30 days of opening.

**Introductory balance transfer APR of 0% - 1.99% is based on your creditworthiness, applies only to balance transfers made within 60 days of account opening and is valid for 12 billing cycles from date of first balance transfer. The introductory rate does not apply to cash advances. Thereafter, the APR may vary and as of 2/01/19 the non-promotional rate for balance transfers is 9.74% – 17.49% based on your creditworthiness. Minimum monthly payment of 2% of total balance or $25 is required when interest is due. We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. If you transfer a balance, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full.

7 Year ARM Mortgage

3.500% Rate, View all mortgage rates >

Auto Loan

24 Months, as low as 1.99% APR*