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Heritage Credit Cards

This plastic is powerful!

All Heritage Credit cards come with big rewards like easy tracking, fraud protection and security.

Benefits of ALL Heritage Credit Cards

  • No Annual Fee!
  • Pick Up Your Card Same Day with Instant Issue
  • Locally Serviced
  • Card Controls
  • Price Protection
  • $0 Fraud Liability
  • Visa Secure
  • Text alerts for Fraud Notifications
  • Pick a background image that matches your vibe
  • Track your rewards online with Digital Banking Experience

Heritage Low Rate Credit Card

If you’re looking for a credit card with lower rates that strengthen your credit while you carry a balance, then look no further. Heritage offers low introductory rates with credit limits starting at $500. Even after the introductory period ends, your rate will stay competitive and you’ll enjoy the low rates you deserve. Rates and credit limit subject to approval, but our Financial Experts can pair you with the right card for your goals and financial history.

Apply for a Low Rate Card


Heritage Rewards Credit Card

If you’re looking for a credit card with exciting rewards that fuel your passions, look no further. Talk to a Heritage Financial Expert to match you with the right card that rewards your everyday purchases with everything from gear to gift cards.

Heritage Reward Credit Cards offers:

  • 1 point for every dollar spent
  • Redeem points for cash or merchandise
  • Pay with Points
  • Great rates that start low, and stay low
  • Credit limits starting at $500

Apply for a Rewards Card

Choose the Heritage Visa that Vibes with You

With our Heritage Visa instant issue credit cards, you can choose the card that vibes with you, and pick it up at a branch as soon as today!

Current Member Services Heritage Federal

Current Member Services

Member can report a lost or stolen card, make a credit card payment, find reward information and more here.

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Credit Cards

Credit Card Payoff Calculator

Looking for the tools and calculators to solve your financial goals? Here’s how we’re helping you achieve more.

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Benefits of All Heritage Credit Cards

Our cards have a benefit for everyone. Take a look at what your Heritage card will do for you. 

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heritage cards

Heritage Credit Cards

This plastic is powerful! All Heritage Credit cards come with big benefits like easy tracking, fraud protection and security. Choose from a low rate card, or a rewards card, our credit cards are designed for you. 

Learn More

Apply for a Credit Card

Apply for a Credit Card and Pick Up Today

Start an application for an Instant Issue Visa card and pick it up at a branch as soon as today!

Get Started

balance transfer

Balance Transfers

Take a break from paying high interest. Heritage is committed to simplifying your banking experience – and this means offering intro rates as low as 1.75% APR* on purchases and 0% APR* on balance transfers for our members.

Balance Transfers


Find a Location

We like to be where you are! Expanding services, means expanding access, and at Heritage we’re all about making your life easier.

Branch Locations


*APR = Annual Percentage Rate. Information accurate as of 05/03/2023. New consumer VISA® Credit Card accounts can have an introductory rate as low as 1.75% APR on new purchases and 0% APR on balance transfers (excludes HFCU funds and must be balance transfers outside of the credit union) for the first 6 billing cycles. For balance transfers, there is no balance transfer fee. Balance transfers after the promotional period may be subject to a fee up to 4.00% of the amount transferred with a minimum of $10. On each foreign transaction, there is a fee of 1.00% of the transaction amount. After the first 6 billing cycles, the rate will convert to a variable APR between 12.00% and 18.00%. The Annual Percentage Rate is variable and may vary with the market based on the Prime Rate. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice. Call us at (812) 253-6928 or toll free at (800) 858-1693 for current cost information.

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