Find the Right Credit Card for You
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.
Mastercard® Benefits. Hometown-Style Service
- Secure online access, 24/7.
- Premium card benefits.
- Preferred contactless pay options - Apple Pay®, Samsung Pay® and Google Wallet®.
- Local banker support when you need it.
Explore Card Options
Heritage Bank Platinum
Low APR with no annual fee.*
0% INTRO APR on purchases and balance transfers for the first 6 months.1 After that, a variable APR, currently Prime + 5.74% to Prime + 13.74% applies, based on creditworthiness.* A balance transfer fee* of $10 or 3% of the amount of the transfer (whichever is greater) applies.
Heritage Bank Low-Rate Platinum
No balance transfer fee* for balances transferred during the first six months. After that, a balance transfer fee of $10 or 1% of the amount of the transfer (whichever is greater) applies.
Balance transfers are subject to available credit.*
Lowest variable APR for those trying to pay off higher interest debt. Currently Prime + 2.99%.*
Platinum Rewards
Valuable Rewards – unlimited 1% cash back for every dollar spent.2 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.3
World Mastercard®
Enjoy 3% cash back on travel and dining, 2% on gasoline and 1% on everything else.2.4
Earn a $500 Cash Back Bonus when you spend $5,000 in the first 90 days of account opening.3
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Cardholder provided with a uniform Identity Theft Affidavit and assistance completing the Affidavit.
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Cardholder assisted in notifying credit reporting agencies and provided with Identity Theft Resolution Kit.
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Cardholder assisted with debit and credit card replacement.
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Cardholder receives education on how Identity Theft can occur as well as protective measures to avoid further occurrences.
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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.
All cards are subject to credit approval. Ask for details.
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 Wallet® is a registered trademark of Google LLC.
1. See Terms and Conditions for complete details. Balance Transfers are subject to available credit.
2. For details on Rewards Program, please visit https://ourheritage.myapexcard.com/about-rewards/rewards-terms. Rewards options are subject to change without notice.
3. 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/about-rewards/rewards-terms. Rewards options are subject to change without notice.
4. 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.