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  American Heritage Federal Credit Union Platinum Preferred Mastercard®

American Heritage Federal Credit Union Platinum Preferred Mastercard®

in Personal Credit Cards from American Heritage Federal Credit Union

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American Heritage Federal Credit Union Platinum Preferred Mastercard®

Unaffiliated

in Personal Credit Cards from American Heritage Federal Credit Union

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

American Heritage Federal Credit Union Platinum Preferred Mastercard® Review

American Heritage Federal Credit Union Platinum Preferred Mastercard® is a rewards credit card issued by American Heritage Federal Credit Union. If you're wondering whether American Heritage Federal Credit Union Platinum Preferred Mastercard® is the right card for you, read on. This is everything you need to know to make a good choice.

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.
  • $0 Balance transfer fee. This card does not charge a fee on balance transfers.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 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 protection, and fraud protection.
American Heritage Federal Credit Union Platinum Preferred Mastercard® Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 3.99%.
  • No balance transfer fee.
  • 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 Platinum Preferred Mastercard® is accepted.
  • American Heritage Federal Credit Union Platinum Preferred Mastercard® reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 0.2%.
American Heritage Federal Credit Union Platinum Preferred Mastercard® FAQ

Is there a American Heritage Federal Credit Union Platinum Preferred Mastercard® cash back or rewards program?

American Heritage Federal Credit Union Platinum Preferred Mastercard® offers a rewards program to its customers.

American Heritage Federal Credit Union Platinum Preferred Mastercard® Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A

Does American Heritage Federal Credit Union Platinum Preferred Mastercard® have a signup bonus?

American Heritage Federal Credit Union Platinum Preferred Mastercard® doesn't offer a cash signup bonus.

Does American Heritage Federal Credit Union Platinum Preferred Mastercard® offer an annual loyalty bonus?

American Heritage Federal Credit Union Platinum Preferred Mastercard® doesn't offer a cash loyalty bonus.

What are the American Heritage Federal Credit Union Platinum Preferred Mastercard® benefits?

American Heritage Federal Credit Union Platinum Preferred 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 Platinum Preferred 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 Platinum Preferred Mastercard® has lower than average purchase APRs.

American Heritage Federal Credit Union Platinum Preferred Mastercard® has a variable purchase APR starting at 9.99% . The card has a variable balance transfer APR starting at 9.99% . It also has a variable cash advance APR starting at 9.99% .

Does American Heritage Federal Credit Union Platinum Preferred Mastercard® have an introductory APR offer on balance transfers?

Yes, American Heritage Federal Credit Union Platinum Preferred Mastercard® offers an introductory APR rate on balance transfers of 3.99%

American Heritage Federal Credit Union Platinum Preferred Mastercard® Balance Transfers
Description
Balance Transfer Introductory APR 3.99%
Balance Transfer APR Starting at 9.99%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Does American Heritage Federal Credit Union Platinum Preferred Mastercard® have an introductory APR offer on new purchases?

This card does offer an introductory APR rate of 3.99% on qualified purchases

American Heritage Federal Credit Union Platinum Preferred Mastercard® Purchase Intro Offer
Description
Introductory Rate 3.99%

What are the fees for American Heritage Federal Credit Union Platinum Preferred Mastercard®?

The following fees apply to American Heritage Federal Credit Union Platinum Preferred Mastercard®:

American Heritage Federal Credit Union Platinum Preferred Mastercard® Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0.2%
Returned Payment Fee up to $25
Late Payment Fee up to $20

Does American Heritage Federal Credit Union Platinum Preferred Mastercard® have a foreign transaction fee?

American Heritage Federal Credit Union Platinum Preferred Mastercard® charges a foreign transaction fee of 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 a foreign transaction fee.

Does American Heritage Federal Credit Union Platinum Preferred Mastercard® report your account activity to credit bureaus?

Yes, American Heritage Federal Credit Union Platinum Preferred 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 Platinum Preferred Mastercard®

  • Visit the American Heritage Federal Credit Union Platinum Preferred 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

Introductory Rate 3.99%
Foreign Currency Transaction Fee 0.2%
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
Cash Advance APR (Variable APR) Starting at 9.99%
Purchase APR (Variable APR) Starting at 9.99%
Balance Transfer Introductory APR (Variable APR) 3.99%
Balance Transfer APR (Variable APR) Starting at 9.99%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Low Interest
Card Network Mastercard

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