American Heritage Federal Credit Union Cash Reward MasterCard®
in Personal Credit Cards from American Heritage Federal Credit Union
UnaffiliatedAmerican Heritage Federal Credit Union Cash Reward MasterCard®
in Personal Credit Cards from American Heritage Federal Credit Union
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| 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
This 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 review will provide you with with all the details you need to make a good choice.
- 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.
| The Good | The Bad |
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Does American Heritage Federal Credit Union 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 $30 back in cash.
| Minimum rewards rate | 3x |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | $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, it 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?
This card doesn't offer a cash loyalty bonus.What are the American Heritage Federal Credit Union 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 Federal Credit Union 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. It has lower than average regular APRs.It 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 intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does American Heritage Federal Credit Union 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 Federal Credit Union Cash Reward MasterCard®?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 0.02% |
| 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 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 foreign transaction fees.What is the customer service phone number for American Heritage Federal Credit Union Cash Reward MasterCard®?
The American Heritage Federal Credit Union Cash Reward MasterCard® customer service number is (215) 969-0777.
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.
Contact
- Headquarters
-
2060 Red Lion Rd, Philadelphia, PA 19115, United States
Philadelphia, PA 19115 - (215) 969-0777
- Visit Site
Other Services by American Heritage Federal Credit Union
Availability
- 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 |
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