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The best time to open a new credit card.

For a limited time, get a $50 bonus.º Plus, 0% APR** on balance transfers for 12 months.

Have balances on a higher rate card? Pay less each month with our balance transfer promo rate — as low as 0% APR* for 12 months. After that, APR is variable, currently 7.99%-15.74%. See disclosure below for details. Plus, there’s no balance transfer fee!

Compare and choose the Heritage credit card that's best for you.

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    


**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.

° Subject to qualified credit. New members: subject to member eligibility and an initial deposit of $5 into a primary savings account, which must remain open for 12 months. Accountholder must be 16 years of age or older. Qualifying accounts must be opened from DECEMBER 1, 2021 - JANUARY 15, 2022. Cannot use multiple offers on same product. Promotions can change or end at any time. One $50 offer per individual. Bonus may be taxable as income and reported on IRS Form 1099-INT. 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.