Last Updated: 07/28/2025
American Heritage FCU Classic MasterCard®
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
Starting at 12.9%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
Starting at 12.9%(Verified 06/21/2024)
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Credit Score Range
N/A
Annual Fee
$0
American Heritage FCU Classic MasterCard® Review
This is a rewards card issued by American Heritage Federal Credit Union. If you're wondering whether American Heritage FCU Classic MasterCard® is the right card for you, read on.
Key Takeaways
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards 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 up to 0.2% 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.
- Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, identity theft protection, purchase security, and fraud protection.
Pros & Cons of American Heritage FCU Classic MasterCard®
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American Heritage FCU Classic MasterCard® FAQ
Does American Heritage FCU Classic MasterCard® have a cash back or rewards program?
American Heritage FCU Classic MasterCard® is a rewards card.
| Description |
Does American Heritage FCU Classic MasterCard® have a signup bonus?
This card doesn't offer a cash signup bonus.Does American Heritage FCU Classic MasterCard® offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the American Heritage FCU Classic MasterCard® benefits?
American Heritage FCU Classic MasterCard® provides the following benefits:
- Extended Warranty Protection
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for American Heritage FCU Classic MasterCard®?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.American Heritage FCU Classic MasterCard® has a variable purchase APR starting at 12.9%. The card has a variable balance transfer APR starting at 12.9% . It also has a variable cash advance APR starting at 12.9% .
Does American Heritage FCU Classic 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 Classic 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 Classic MasterCard®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0.2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does American Heritage FCU Classic MasterCard® have a foreign transaction fee?
American Heritage FCU Classic MasterCard® charges a foreign transaction fee of up to 0.2%. 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 Classic MasterCard®?
The customer service number for American Heritage FCU Classic MasterCard® is (215) 969-0777.
What is the support contact email for American Heritage FCU Classic MasterCard®?
The support contact email for American Heritage FCU Classic MasterCard® is GeneralInfo@amhfcu.org.
What is the login page for American Heritage FCU Classic MasterCard®?
You can access the login page of American Heritage FCU Classic MasterCard® here.
How do people rate the customer service and user experience of American Heritage FCU Classic MasterCard®?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does American Heritage FCU Classic MasterCard® report your account activity to credit bureaus?
Yes, American Heritage FCU Classic MasterCard® reports to the following credit bureaus:
- 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 build your credit.
Does American Heritage Federal Credit Union perform a hard credit pull?
Yes, American Heritage FCU Classic MasterCard® performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for American Heritage FCU Classic MasterCard®
- Visit the website of American Heritage FCU Classic MasterCard®.
- 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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Contact
Headquarters
2060 Red Lion Rd, Philadelphia, PA 19115, United States
Philadelphia, PA 19115
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