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  American Heritage Federal Credit Union Cash Reward MasterCard®

American Heritage Federal Credit Union Cash Reward MasterCard®

in Personal Credit Cards from American Heritage Federal Credit Union

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American Heritage Federal Credit Union Cash Reward MasterCard®

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in Personal Credit Cards from American Heritage Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 9.99% - 17.99%
Balance Transfer APR  (Variable APR) 9.99% - 17.99%
Credit Score Range N/A
Annual Fee $0

American Heritage Federal Credit Union Cash Reward MasterCard® Review

American Heritage Federal Credit Union Cash Reward MasterCard® is a secured credit card cashback credit card issued by American Heritage Federal Credit Union. If you're wondering whether American Heritage Federal Credit Union Cash Reward MasterCard® is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Signup bonus. Offers a signup bonus of $150 if you spend $1500 within 3 months.
  • Competitive APRs. American Heritage Federal Credit Union Cash Reward MasterCard® has a variable purchase APR that ranges from 9.99% 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 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 0.02% 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.
American Heritage Federal Credit Union Cash Reward MasterCard® Pros & Cons
The Good The Bad
  • 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 purchases everywhere American Heritage Federal Credit Union Cash Reward MasterCard® is accepted.
  • American Heritage Federal Credit Union Cash Reward MasterCard® reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 0.02%.
American Heritage Federal Credit Union Cash Reward MasterCard® FAQ

Is there a American Heritage Federal Credit Union Cash Reward MasterCard® cash back or rewards program?

American Heritage Federal Credit Union Cash Reward MasterCard® is a cashback card. This means you earn a percentage of your purchase as a cash reward. With American Heritage Federal Credit Union Cash Reward MasterCard® you receive 3% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $30 back in cash.

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

Does American Heritage Federal Credit Union Cash Reward MasterCard® have a signup bonus?

Yes, American Heritage Federal Credit Union Cash Reward MasterCard® offers card users a signup bonus worth up to $150 after spending $1500.

Does American Heritage Federal Credit Union Cash Reward MasterCard® offer an annual loyalty bonus?

American Heritage Federal Credit Union Cash Reward MasterCard® doesn't offer a cash loyalty bonus.

What are the American Heritage Federal Credit Union Cash Reward MasterCard® benefits?

American Heritage Federal Credit Union Cash Reward MasterCard® provides the following benefits:

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

What are the relevant APRs for American Heritage Federal Credit Union Cash Reward MasterCard®?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. American Heritage Federal Credit Union Cash Reward MasterCard® has lower than average purchase APRs.

American Heritage Federal Credit Union Cash Reward MasterCard® has a variable purchase APR that ranges from 9.99% up to 17.99%. The card has a variable balance transfer APR that ranges from 9.99% up to 17.99%. It also has a variable cash advance APR that ranges from 9.99% up to 17.99%.

Does American Heritage Federal Credit Union Cash Reward MasterCard® have an introductory APR offer on balance transfers?

No, American Heritage Federal Credit Union Cash Reward MasterCard® does not come with an introductory APR offer for balance transfers.

Does American Heritage Federal Credit Union Cash Reward MasterCard® have an introductory APR offer on new purchases?

American Heritage Federal Credit Union Cash Reward MasterCard® does not offer an introductory rate on new purchases.
American Heritage Federal Credit Union Cash Reward MasterCard® Purchase Intro Offer
Description

What are the fees for American Heritage Federal Credit Union Cash Reward MasterCard®?

The following fees apply to American Heritage Federal Credit Union Cash Reward MasterCard®:

American Heritage Federal Credit Union Cash Reward MasterCard® Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0.02%
Returned Payment Fee up to $25
Late Payment Fee up to $20

Does American Heritage Federal Credit Union Cash Reward MasterCard® have a foreign transaction fee?

American Heritage Federal Credit Union Cash Reward MasterCard® charges a foreign transaction fee of 0.02%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $0.4. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does American Heritage Federal Credit Union Cash Reward MasterCard® report your account activity to credit bureaus?

Yes, American Heritage Federal Credit Union 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 Federal Credit Union Cash Reward MasterCard®

  • Visit the American Heritage Federal Credit Union 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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

  • Headquarters
  •   2060 Red Lion Rd, Philadelphia, PA 19115, United States
    Philadelphia, PA 19115
  • (215) 969-0777
  •   Visit Site

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

Feature Breakdown

Foreign Currency Transaction Fee 0.02%
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
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Purchase Protection
Rewards Categories
  • Every Purchase
  • Home Improvement Purchases
  • Gas
  • Drug Store Purchases
  • Online
Signup Bonus Starting at $150
Cash Advance APR (Variable APR) 9.99% - 17.99%
Purchase APR (Variable APR) 9.99% - 17.99%
Balance Transfer APR (Variable APR) 9.99% - 17.99%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Secured
  • Cashback
Card Network Mastercard

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