Loans - Credit Cards
Get the purchasing power you deserve with a credit card from Heritage Credit Union. We now offer four cards; our Platinum and Cash Rewards cards are perfect for our members who want a premium card with great benefits and our Business and Business Rewards cards give our business members purchasing power and flexibility.
Platinum Card
- No annual fee
- Generous credit line
- 0% introductory APR* on purchases and balance transfers
- Exclusive Platinum benefits
Platinum Card with Optional Platinum Rewards
- Earn one point for every $1 in net purchases made with your Platinum Rewards Card
- Redeem points for merchandise, gift cards, travel and even cash!
Cash Rewards Card
- Earn 1% for every $1 in net purchases made with your Cash Rewards Card. Every time your net spending reaches $5,000-we'll automatically mail you a check for $50
- No annual fee
- Generous credit line
- 0% introductory APR on purchases and balance transfers
Business Card
- No annual fee
- 0% introductory APR* on purchases and balance transfers
- Exclusive Platinum benefits
- Online account access
- Detailed monthly statement
- Free additional cards after account set up
Business Rewards Card
- Earn 1 point for every $1 in net purchases charged to your Business Rewards Card. Redeem points for merchandise, gift cards, travel and even cash
- 0% introductory APR* on purchases and balance transfers
- Exclusive Platinum benefits
- Online account access
- Detailed monthly statement
- $35 annual fee (the first year is free!)
4 Easy Ways to Apply!
- Apply online at www.bankcardoffer.com/heritage
- Download a Personal credit application or a Business credit application and send to address printed on application
- Fax application to 513-358-3485
- Apply over the phone by calling 866-274-2328
Managing your Credit Card Account
Heritage Credit Union makes it easy for you to monitor your Visa credit card account 24-hours a day. Simply log on to your Home Banking Account and go to managemycreditcard.com anytime day or night to view important information about your account, including:
- Make payments
- View account balance and available credit
- Print current and past statements
- Track expenses and create reports
- Set up e-mail alerts
- And much more!
You can also make payments by calling 1-877-881-6018 and authorizing payments from your checking account OR by mailing a payment to:
Card Center
PO Box 3789
Evansville, IN 47736-3789
Credit Card Rewards
Our VISA cards now have rewards! Visit managemyrew.com to see your rewards points.
Visa Questions
CREDIT: Contact the Visa credit department by calling 877-881-6018
DEBIT: Contact the Visa debit department by calling:
- During BUSINESS hours: 1-888-HFCU-4-YOU (888-432-8496)
- After business hours: 1-866-546-8273
Verified by Visa
Secure your online purchases with Verified by Visa. Verified by Visa is a new service that makes online purchases more secure by allowing you to set up your own password for your Visa credit card. This optional fraud protection service is free for all Heritage Credit Union Visa® card holders.
To activate the service, simply visit www.visa.com/verified and have your card available. After the one time set up, the next time you shop online with a participating merchant your card will automatically be recognized as protected by Verified by Visa. You will be asked to enter your password verification and the transaction will be completed as usual. It is an easy and save way to make online purchases!
Debt Protection
Any life-changing situation can become stressful on you and your family. With Debt Protection you won't have to worry about the financial stress of paying your Heritage Credit Union credit card. Debt Protection insurance will make your Heritage Credit Union credit card payments in the event you become unemployed, disabled or hospitalized unexpectedly. Debt protection will pay up to $10,000 on your credit card balance in the event of your unexpected death. The protection is affordable, easy to obtain and the premium is included in your monthly credit card payment. For more information contact your local Heritage Credit Union branch.
*APR=Annual Percentage Rate. Introductory APR is for the first six billing cycles and applies to purchases and balance transfers. After the introductory period, the APR will be variable. More rate information.
