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Low interest rate credit card with fewer fees.

Our Platinum Low Rate card boasts one of the lowest everyday rates you'll find in the market. Easily transfer balances from higher rate cards online—with no balance transfer fee—and begin paying less interest immediately.

Online Account Access

Manage your credit card online. Consolidate balances from higher rate cards, pay your bill, view statements and request a new card or PIN.

Payment Info

Payments made before 5 pm CST will be applied to your credit card account the same business day. Payments initiated after 5 pm CST will be applied to your card the following business day.

Design Your Own Card

Personalize your card and make it your own. Picture of your favorite socks? Sure—we won't judge.

Pay your Visa® Platinum Low Rate bill:

Visa Platinum Low Rate


Manage Card

By automatic payment

888-432-8496, Option 0 (during business hours from 8 am to 5 pm CST)

At any Heritage branch


By phone

Business Hours (8 am to 5 pm CST)

888-432-8496, Option 0

After Business Hours


By mail

PO Box 660493

Dallas, TX 75266-0493


Important Information and Disclosures

Visa Credit Card Disclosures >

Consumer Credit Card Agreement >

Travel Insurance—Platinum >

Printable Application > 

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