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!1,2
- 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
- Tap to Pay
Heritage Rewards Credit Card1
Heritage Low Rate Credit Card1
Heritage Share Secured Credit Card2
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
- Fuel with Points
- Great rates that start low, and stay low
- Credit limits starting at $500
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.
If you're looking for a credit card perfect for beginning a credit journey, look no further. Heritage offers a share secured credit card with a minimum $500 deposit2. The amount you deposit will determine your credit limit. By placing a security deposit, a secured card allows you to establish and build credit.3
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!
Member can report a lost or stolen card, make a credit card payment, find reward information and more here. Looking for the tools and calculators to solve your financial goals? Here’s how we’re helping you achieve more. Our cards have a benefit for everyone. Take a look at what your Heritage card will do for you. 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. 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. We like to be where you are! Expanding services, means expanding access, and at Heritage we’re all about making your life easier. 1APR = Annual Percentage Rate. Information accurate as of 03/23/2026. New consumer My Choice, My Choice Plus, My Preferred, and My Preferred Plus 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 Heritage FCU 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 10.25% 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. Membership restrictions may apply. 2APR = Annual Percentage Rate. Information accurate as of 03/23/2026. My Choice Secured VISA® Credit Card account variable APR is 16.75%. The APR is variable and may vary with the market based on the Prime Rate. Balance transfers 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. The minimum credit limit is $500. Requires a security deposit into a Heritage primary share savings account that is equal to the credit limit. These funds will be held as a security deposit for the duration the card remains open. 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. Membership restrictions may apply. 3Impact on your credit may vary. On-time payment history can have a positive impact on your credit score. Late payments may negatively impact your credit score.
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Benefits of All Heritage Credit Cards
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