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Get $50 with a new Heritage credit card.º

Rack up points for cash back, travel and merchandise with our Signature Rewards card or get a low, competitive interest rate, with less fees with our Platinum Low Rate card.

To apply for your $50 bonus, enter promo code 50CCWEB on your online application.

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®. 

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

As always, Heritage credit cards have no fee balance transfers & no annual fee. 

A table comparing Visa® credit cards

Visa® Signature Rewards

View Disclosures

Visa® Platinum Low Rate

View Disclosures

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 >

ºSubject to qualified credit. Coupon must be presented by February 28, 2019, and prior to opening the account. Accountholder must be 16 years of age or older to redeem coupon. Qualifying accounts must be opened within 30 days after presenting coupon. Cannot use multiple offers on same product. Promotions can change or end at any time. Each coupon may be used once per individual. Bonus may be taxable as income and reported on IRS Form 1099-INT. Heritage employees and their immediate families are not eligible. Void if expired, altered, reproduced or photocopied. Must not have had an open Heritage credit card in the 6 months prior to opening the new credit card. $50 will be credited to your Heritage credit card account within 30 days of activation of the new Heritage credit card. Card must be activated within 30 days of opening.

7 Year ARM Mortgage

3.875% Rate, View all mortgage rates >

Auto Loan

24 Months, as low as 1.99% APR*