American Heritage FCU Cash Reward MasterCard

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

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.

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?

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%.

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

The following fees apply:

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 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.