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  American Heritage FCU Cash Reward MasterCard

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American Heritage FCU Cash Reward MasterCard Unaffiliated

American Heritage FCU Cash Reward MasterCard

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Highlights
Purchase APR  (Variable APR) 13.74% - 17.99%
(Verified 12/02/2022)
Balance Transfer APR  (Variable APR) 13.74% - 17.99%
(Verified 12/02/2022)
Credit Score Range N/A
Annual Fee $0

American Heritage FCU Cash Reward MasterCard Review

This is a secured credit card cashback credit card issued by American Heritage Federal Credit Union. If you're wondering whether American Heritage FCU Cash Reward MasterCard is the right card for you, read on.

Key Takeaways

  • Signup bonus. Offers a signup bonus of up to $150 if you spend $1500 within 3 months.
  • Competitive APRs. American Heritage FCU Cash Reward MasterCard has a variable purchase APR that ranges from 13.74% up to 17.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 0.20% every time you make a transaction outside the U.S.
  • Accepts cosigners. American Heritage Federal Credit Union is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
  • Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, identity theft protection, purchase protection, and fraud protection.

Pros & Cons of American Heritage FCU Cash Reward MasterCard

The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • American Heritage FCU Cash Reward MasterCard reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 0.20%.

American Heritage FCU Cash Reward MasterCard FAQ

Does American Heritage FCU Cash Reward MasterCard have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 3% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $30 back in cash.

American Heritage FCU Cash Reward MasterCard Rewards
Minimum rewards rate 3x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) Starting at $150
Signup Bonus Spend Requirement $1500
Signup Bonus Spend Period (months) 3 months

Does American Heritage FCU Cash Reward MasterCard have a signup bonus?

Yes, it offers card users a signup bonus worth up to $150 after spending $1500.

Does American Heritage FCU Cash Reward MasterCard offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the American Heritage FCU Cash Reward MasterCard benefits?

It provides the following benefits:

  • Extended Warranty Protection
  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for American Heritage FCU Cash Reward MasterCard?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

American Heritage FCU Cash Reward MasterCard has a variable purchase APR that ranges from 13.74% up to 17.99%. The card has a variable balance transfer APR that ranges from 13.74% up to 17.99%. It also has a variable cash advance APR that ranges from 13.74% up to 17.99%.

Does American Heritage FCU Cash Reward MasterCard have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does American Heritage FCU Cash Reward MasterCard have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for American Heritage FCU Cash Reward MasterCard?

The following fees apply:

American Heritage FCU Cash Reward MasterCard Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0.20%
Returned Payment Fee up to $25
Late Payment Fee up to $20

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does American Heritage FCU Cash Reward MasterCard have a foreign transaction fee?

American Heritage FCU Cash Reward MasterCard charges a foreign transaction fee of 0.20%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $4. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for American Heritage FCU Cash Reward MasterCard?

The American Heritage FCU Cash Reward MasterCard customer service number is (215) 969-0777.

What is the support contact email for American Heritage FCU Cash Reward MasterCard?

The support contact email for American Heritage FCU Cash Reward MasterCard is GeneralInfo@amhfcu.org.

What is the American Heritage FCU Cash Reward MasterCard login page?

You can access the American Heritage FCU Cash Reward MasterCard login page here.

How do people rate the customer service and user experience of American Heritage FCU Cash Reward MasterCard?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does American Heritage FCU Cash Reward MasterCard report your account activity to credit bureaus?

Yes, American Heritage FCU Cash Reward MasterCard reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for American Heritage FCU Cash Reward MasterCard

  • Visit the American Heritage FCU Cash Reward MasterCard website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 5:00pm
  • Tuesday 8:00am - 5:00pm
  • Wednesday 8:00am - 5:00pm
  • Thursday 8:00am - 5:00pm
  • Friday 8:00am - 5:00pm
  • Saturday 9:00am - 3:00pm

Other Services by American Heritage Federal Credit Union

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Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Foreign Currency Transaction Fee 0.20%
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 27 days
Returned Payment Fee Up to $25
Late Fee Amount Up to $20
Customer Type Personal
Minimum Age 18
Co-signing Allowed
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Extended Warranty Protection
  • Purchase Protection
  • Fraud Liability
Rewards Categories
  • 3% Cash Back on Every Purchase
Signup Bonus Starting at $150
Cash Advance APR (Variable APR) 13.74% - 17.99%
APR Type Variable APR
Purchase APR (Variable APR) 13.74% - 17.99%
(Verified 12/02/2022)
Balance Transfer APR (Variable APR) 13.74% - 17.99%
(Verified 12/02/2022)
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Secured
  • Cashback
Card Network Mastercard

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