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Earn travel, merchandise and cash rewards just for using your credit card.

Redeem your points for travel or recreation, including airline tickets, hotel stays, spa packages, cruises, car rentals, vacation packages and sporting events. Or, choose from thousands of merchandise items such as jewelry, appliances, electronics or housewares. Redeem for name brand gift cards, too! Rewards start at 3,250 points.

Already a Visa® Signature member?

Click here to access rewards >

Cash Back

Earn 1% cash back on every purchase with your Signature Rewards Visa®. Choose a check mailed to you, a credit on your statement or a deposit into your Heritage account.

Merchant Funded Rewards

An easy way to support local businesses, plus receive special offers and earn extra points!

Design Your Own Card

Personalize your card and make it your own. Picture of your cat in elf ears? Sure—we won't judge.

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.

Pay your Visa® Signature Rewards bill:

Visa Signature Rewards


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 InsuranceSignature >

Printable Application >

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2.750% Rate, View all mortgage rates >

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