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Credit cards with no annual fee and low interest rates.

Do you have high balances on your non-Heritage credit cards?

Pay less each month with our balance transfer promo rate — as low as 0% APR* for 12 months when you open a new low rate or rewards Visa®.** After that, APR is variable, currently 7.99% – 15.74%. See disclosure below for details, including how your grace period may be impacted. Get started on your no fee balance transfer today.

Or, have a question about credit cards? Talk to a loan officer >

A table comparing Visa® credit cards

Visa® Signature Rewards

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Visa® Platinum Low Rate

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Visa® Platinum Secured

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Rack up points for cash back, travel and merchandise.

Get a low, competitive interest rate, with fewer fees.

Easily start or rebuild credit.

Minimum Credit Line




No Fee Balance Transfers Yes Yes Yes
No Annual Fee Yes Yes Yes
No Penalty Rate (APR) Yes Yes Yes
Cash Advance Rate Same As Purchase Rate (APR) Yes Yes Yes
Design Your Own Card Yes Yes Yes
No Card Reorder Fee Yes Yes Yes
Online Access & Statements Yes Yes Yes
Travel Insurance Yes Yes Yes
Promotional Rate (when in effect) Yes Yes  
Rewards Yes    
Cash Back Yes    
Free Annual Summary Yes    

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

Important Information and Disclosures

**Introductory balance transfer APR of 0% - 1.99% is based on your creditworthiness, applies only to balance transfers made within 60 days of account opening and is valid for 12 billing cycles from date of first balance transfer. The introductory rate does not apply to cash advances. Thereafter, the APR may vary and as of 2/01/19 the non-promotional rate for balance transfers is 7.99% – 15.74% based on your creditworthiness. Minimum monthly payment of 2% of total balance or $25 is required when interest is due. We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. If you transfer a balance, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full.

30 Year Fixed Mortgage

2.875% Rate, View all mortgage rates >

Auto Loan

24 Months, as low as 1.99% APR*