Credit 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 8.49% 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. 

Visa® Signature Rewards

View Disclosures

Visa® Platinum Low Rate

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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.

Minimum Credit Line

$5,000

$1,000

$500

No Fee Balance Transfers

No Annual Fee

No Penalty Rate (APR)

Cash Advance Rate Same As Purchase Rate (APR)

Design Your Own Card

No Card Reorder Fee

Online Access & Statements

Travel Insurance

Promotional Rate (when in effect)

 

Rewards

 

 

Cash Back

 

 

Free Annual Summary

 

 

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

Important Information and Disclosures

Visa® Credit Card Disclosures >

Consumer Credit Card Agreement >

Travel Insurance - Platinum >

Travel Insurance - Signature >

Printable Application >

**Beginning in the 7th billing cycle following account opening, APR will be variable based on creditworthiness, and will range from 8.49%-17.99% APR. For more information, see Visa Credit Card Disclosures. 

7 Year ARM Mortgage

3.250% Rate, View all mortgage rates >

Auto Loan

24 Months, as low as 1.99% APR*