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Shopping for Competitive Credit Card Options? Start Here.

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Introducing our new family of competitive, feature-rich credit cards. Enjoy all of the benefits you expect from a national bank card along with the local decision making and service that brought you to Heritage Bank.

Whether you want to earn rewards or lower your APR, we have a Mastercard® right for you. All cards come with the same great benefits.

Secure online access, 24 hours a day, 7 days a week.
Premium benefits.
Multiple payment options.
Apple Pay®, Samsung Pay® and Google Pay® contactless payment technology.+

Learn more

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.

+ Apple Pay is a registered trademark of Apple Inc. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Google Pay is a registered trademark of Google LLC.
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Your Card. Your Choice.

Heritage Bank Consumer Card Features

  • Multiple payment options, including automatic debit, online bill pay, in a Heritage Bank branch or by mail.
  • Secure online account access, 24 hours a day, 7 days a week.
  • 24-hour customer service phone line. Multiple payment options.
  • Apple Pay®, Samsung Pay® and Google Pay® contactless payment technology available.+

Heritage Bank Platinum

With local decision making and servicing, quick turn-around and a variety of options, you will find our consumer credit cards are definitely not "one-size-fits-all".

  •  Low APR with no annual fee. Terms and Conditions
  • 0% INTRO APR on purchases and balance transfers for the first 6 months. 1 Then a variable APR, currently Prime + 5.74% to Prime + 13.74% applies, based on creditworthiness. A Balance Transfer fee of 3% or $10, whichever is greater, will apply to each balance transfer. Terms and Conditions

APPLY NOW 

Heritage Bank Low Rate Platinum

  • No balance transfer fee in the first 6 months, 1% Balance Transfer fee or $10 - whichever is greater - applies thereafter.2    Terms and Conditions
  • Lowest variable APR for those trying to pay off higher interest debt. Currently Prime + 2.99%

APPLY NOW

 

Heritage Bank Platinum Rewards

  • Valuable Rewards – unlimited 1% cash back for every dollar spent.3
  • 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.4

Apply Now  

1 See Terms and Conditions for complete details. A Balance Transfer Fee of 3% or $10, whichever is greater, will apply to each balance transfer. Balance Transfers subject to available credit.
2 See Terms and Conditions for complete details. A Balance Transfer Fee of 1% or $10, whichever is greater, will apply to each balance transfer. Balance Transfers subject to available credit.
3 For details on Rewards Program, please visit (https://ourheritage.myapexcard.com/#p=application/rewardsTerms. Rewards options are subject to change without notice.
4 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 (https://ourheritage.myapexcard.com/#p=application/rewardsTerms. Rewards options are subject to change without notice.

+ Apple Pay is a registered trademark of Apple Inc. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Google Pay is a registered trademark of Google LLC.

Compare Your Options

 Essentials

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 Features

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 Terms

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Comparison Chart Table
Essentials

Platinum 

Low Rate Platinum

Platinum Rewards 

Intro Offer

0% Intro APR on purchases and balance transfer for 6 months. After that the APR is Prime + 5.74% to Prime + 13.74%, based on credit score.**

Terms and Conditions

No balance transfer fee in the first 6 months from account opening.
1% or $10 Balance Transfer fee - whichever is greater - applies thereafter.

Terms and Conditions

Earn a $50 cash back bonus once you spend $1,000 on purchases within the first 90 days of account opening.*

Terms and Conditions

Advantage

Consolidate and pay off debt faster with a lower APR – currently, Prime + 5.74% to Prime + 13.74% (based on credit score). 

Terms and Conditions 

Consolidate and pay off debt faster with a low variable APR – currently, Prime + 2.99%.

Earn 1% cash back for every $1 spent. No limit to the amount of cash back earned. Prime +9.74% to Prime + 15.74% APR (based on credit score). 

APPLY NOW

*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 (https://HeritageBank.myapexcard.com/#p=application/rewardsTerms. Rewards options are subject to change without notice.

** See Terms and Conditions for complete details. A Balance Transfer Fee of 3% or $10, whichever is greater, will apply to each balance transfer. Balance Transfers subject to available credit.

Comparison Chart Table
Features

Platinum 

Low Rate Platinum

Platinum Rewards 

Lowest APR

 

 

24/7 customer service

Dedicated account manager

Multiple payment options, including automatic debit, online banking, at a branch or by mail

1% cash back on purchases

   

 ✓

 Zero Liability Protection
 Identity Theft Protection
MasterCard Global Emergency Service 

Apply Now 

Comparison Chart Table
Terms

Platinum 

Low Rate Platinum

Platinum Rewards

Purchase APR: Go to rate(s): Variable

Prime + 5.74% to Prime + 13.74% (Based on credit score)

Prime + 2.99%

Prime + 9.74% to Prime + 15.74% (Based on credit score)

Cash APR: Go to rate(s)

21.00%  

 23.99%

21.00%

Balance transfer fee

3%

0% for the first 6 months, then 1%

3%

Minimum balance transfer fee

 $10

 

After first 6 months, $10

 

 $10

Cash advance fee

4%

4%

4%

Minimum cash advance fee $10 $10 $10
Late fee

 $25 for first occurrence in a six-month period; $35 for additional occurrences

None - Account suspended after missed payment $25 for first occurrence in a six-month period; $35 for additional occurrences
Return payment fee $25 for first occurrence in a six-month period; $35 for additional occurrences $25 for first occurrence in a six-month period; $35 for additional occurrences $25 for first occurrence in a six-month period; $35 for additional occurrences
Overlimit fee None None None
  Terms and Conditions
Terms and Conditions Terms and Conditions

 

APPLY NOW  

 Subject to credit approval. Ask for details.

Mastercard® Benefits*

Customer Service: 1 (866) 416-9302.
Card Member Services at (877) 768-1355.

Mastercard ID Theft Protection

Services available 24-hours, 365 days a year
  • 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 Card 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.

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. *The descriptions of the listed benefits and enhancements are summaries only. Certain terms, conditions and exclusions apply. The information is provided on an “AS IS” basis and for informational purposes. It is not a specific recommendation for any particular action or investment and should not be relied upon in whole or in part as the basis for decision-making or other purposes. Please consult your Guide to Benefits for specific benefit configuration.

Contactless Payment. Safe, Secure and Simple. 

Why carry your physical card with you or look for your card when shopping online? Heritage Bank credit cards are supported by Apple Pay®, Samsung Pay® and Google Pay® - all which allow users to make payments using compatible smart phones and mobile devices.+

Learn More

+ Apply Pay is a registered trademark of Apple Inc. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Google Pay is a registered trademark of Google LLC.

 

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