LOGINCredit 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 8.74% 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.
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Visa® Signature Rewards |
Visa® Platinum Low Rate |
Visa® Platinum Secured |
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Description |
Rack up points for cash back, travel and merchandise. |
Get a low, competitive interest rate, with less fees. |
Easily start or rebuild credit. |
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Minimum Credit Line |
$5,000 |
$1,000 |
$500 |
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No Fee Balance Transfers |
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No Annual Fee |
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No Penalty Rate (APR) |
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Cash Advance Rate Same As Purchase Rate (APR) |
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Design Your Own Card |
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No Card Reorder Fee |
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Online Access & Statements |
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Travel Insurance |
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Promotional Rate (when in effect) |
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Rewards |
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Cash Back |
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Free Annual Summary |
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Heritage credit cards have the EMV chip. Find out more >
Important Information and Disclosures
Visa® Credit Card Disclosures >
Consumer Credit Card Agreement >
Travel Insurance - Signature >
**Beginning in the 7th billing cycle following account opening, APR will be variable based on creditworthiness, and will range from 8.74%-17.99% APR. For more information, see Visa Credit Card Disclosures.