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The best time to open a new credit card, plus get up to a $150 bonus.°

Have balances on a higher rate card? Pay less each month with our balance transfer promo rate — as low as 0% APR* for 12 months. After that, APR is variable, currently 7.99%-15.74%. See disclosure below for details. Plus, there’s no balance transfer fee!

Get started today by applying online and receive your new card by mail, without visiting a branch. And, for a limited time, get up to $150 bonus! Just activate your card within 30 days of receiving it and receive $50. Spend $1,500 with your new card by May 31, 2021 and receive another $100.

To apply for your $150 bonus, use promo code SPRINGCCWEB at the end of your application.

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 Yes Yes Yes
No Annual Fee Yes Yes Yes
No Penalty Rate (APR) Yes Yes Yes
Cash Advance Rate Same As Purchase Rate (APR) Yes Yes Yes
Design Your Own Card Yes Yes Yes
No Card Reorder Fee Yes Yes Yes
Online Access & Statements Yes Yes Yes
Travel Insurance Yes Yes Yes
Promotional Rate (when in effect) Yes Yes  
Rewards Yes    
Cash Back Yes    
Free Annual Summary Yes    

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

Important Information and Disclosures

°All offers subject to qualified credit for applications received February 23 - May 31, 2021. Offers may change or end at any time. *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 February 23, 2021 the non-promotional rate for balance transfers is 7.99-15.74% 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. **Promo code must be presented by May 31, 2021, and prior to opening the account. 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 to redeem coupon. Qualifying accounts must be opened within 30 days after presenting coupon. Cannot use multiple offers on same product. 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. Promo code may be used once per individual. Bonus is in the form of a credit on your credit card account. 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. $100 will be credited to your Heritage credit card account on or before June 30, 2021, after spending a minimum of $1,500 in net purchases by May 31, 2021. Card must be activated within 30 days of opening to be eligible for all bonuses.

7 Year ARM Mortgage

2.750% Rate, View all mortgage rates >

Auto Loan

24 Months, as low as 1.99% APR*