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 8.99% 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

View Disclosures


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




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)





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 8.99%-17.24% 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*