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Get a $50 bonus with a new Heritage Visa®.°

For a limited time, get $50 when you are approved for and activate your new Heritage credit card. 

Credit cards with no annual fee and low interest rates.

  • Lower your monthly payment when you transfer your balance from a higher rate card to a low rate Heritage Visa®.
  • Get an intro rate as low as 2.99% APR* for 6 months,** then a variable rate as low as 9.24% APR.*
  • Plus, design your own card.

Have a question about credit cards? Talk to a loan officer >

As always, Heritage credit cards have no fee balance transfers & no annual fee. 

A table comparing Visa® credit cards

Visa® Signature Rewards

View Disclosures

Visa® Platinum Low Rate

View Disclosures

Visa® Platinum Secured

View Disclosures


Rack up points for cash back, travel and merchandise.

Get a low, competitive interest rate, with less 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 >

**Beginning in the 7th billing cycle following account opening, APR will be variable based on creditworthiness, and will range from 9.24%-17.49% APR. For more information, see Visa Credit Card Disclosures. 

°All offers 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. Coupon must be presented by May 31, 2018, and prior to opening the account. Qualifying accounts must be opened within 30 days after presenting coupon. Cannot use multiple offers on same product. Promotions can change or end at any time. Each coupon may be used once per individual member account. Bonus may be taxable as income and reported on IRS Form 1099-INT. Heritage employees and their immediate families are not eligible. Void if expired, altered, reproduced or photocopied. 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.

7 Year ARM Mortgage

3.750% Rate, View all mortgage rates >

Auto Loan

24 Months, as low as 1.99% APR*