Personal Credit Cards Pick the Credit Card for the Life You Lead
Heritage Bank customers can choose from a family of competitive, feature-rich credit cards. Enjoy the benefits you’d expect from a national bank card backed by customer service only community banks can deliver.
Whether you want rewards points or a lower APR, our Mastercard® options all come with the same conveniences:
- Secure online access, 24 hours a day, 7 days a week.
- Premium benefits.
- Multiple payment options.
- Apple Pay®, Samsung Pay® and Google PayTM contactless payment technology.+
Mastercard is a registered trademark of Mastercard International Incorporated. Certain restrictions, limitations, and exclusions apply. Please consult your Guide to benefits for specific benefit configuration.
Explore Card Options
- Low APR with no annual fee.
- 0% Into APR on purchases and balance transfers for the first 6 months, then a variable APR, currently Prime + 5.74% to Prime + 13.74% applies, based on creditworthiness. A Balance Transfer of 3% or $10, whichever is greater, will apply to each balance transfer.
All cards are subject to credit approval. Balance Transfers limited to available credit. Ask for details.
- No balance transfer fee in the first 6 months, 1% Balance Transfer fee or $10 - whichever is greater - applies thereafter.
- Lowest variable APR for those trying to pay off higher interest debt. Currently Prime + 2.99%.
All cards are subject to credit approval. Balance Transfers limited to available credit. Ask for details.
- Valuable Rewards – unlimited 1% cash back for every dollar spent.*
- Redeem rewards the way you prefer, including direct deposit into a DDA or statement credit.
- $50 cash back bonus after spending $1,000 in the first 90 days.**
All cards are subject to credit approval. Ask for details.
- Enjoy 3% cash back on travel and dining, 2% on gasoline*** and 1% on everything else.*
- Earn a $500 Cash Back Bonus when you spend $5,000 in the first 90 days of account opening.**
All cards are subject to credit approval. Ask for details.
- Cardholder provided with a uniform Identity Theft Affidavit and assistance completing the Affidavit.
- Cardholder assisted in notifying credit reporting agencies and provided with Identity Theft Resolution Kit.
- Cardholder assisted with debit and credit card replacement.
- Cardholder receives education on how Identity Theft can occur as well as protective measures to avoid further occurrences.
- Cardholder provided with sample letters for use in canceling checks, ATM cards, and other accounts.
Mastercard Global Emergency Services
Provides worldwide, 24-hour assistance with Lost and Stolen Care Reporting, Emergency Card Replacement and Emergency Cash Advance.
Zero Liability Protection
Have peace of mind knowing that the financial institution that issued your MasterCard won't hold you responsible for "unauthorized transactions." As a MasterCard cardholder, Zero Liability applies to your purchases made in the store, over the telephone, online, or via a mobile device and ATM transactions.
To take advantage of any of these features or file a claim, simply call 800-622-7747.
* For details on Rewards Program, please visit here. Rewards options are subject to change without notice.
** Upon approval, a letter will be mailed acknowledging your new account. The Rewards Bonus period begins on the date of the new account letter and ends 90 days later. For details on Rewards Program, please visit here. Rewards options are subject to change without notice.
*** We group similar merchant category codes into Purchase Categories that are used to calculate the stated rewards. We make every effort to include all relevant merchant category codes in the listed Purchase Categories. However, even though a merchant or the items that it sells may appear to fit within a Purchase Category, the merchant may not provide us with the merchant code that will fall within that Purchase Category. Because of this, we cannot guarantee that a purchase will qualify for more than the standard 1% (one percent) cash back, as any purchase where a merchant uses a category code outside of the eligible Purchase Category does not qualify for additional cash back. If you do not meet our criteria for the World card, you may be considered for the Mastercard® Platinum Rewards card.
+ Apple Pay® is a registered trademark of Apple Inc. Samsung Pay® is a registered trademark of Samsung Electronics Co., Ltd. Google PayTM is a registered trademark of Google LLC.