Last Updated: 07/28/2025
American Heritage FCU Secured MasterCard®
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
Starting at 15.9%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
Starting at 15.9%(Verified 06/21/2024)
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Credit Score Range
N/A
Annual Fee
$35
American Heritage FCU Secured MasterCard® Review
This is a secured credit card issued by American Heritage Federal Credit Union. If you're wondering whether American Heritage FCU Secured MasterCard® is the right card for you, read on.
Key Takeaways
- 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.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- 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 Secured MasterCard®
| The Good | The Bad |
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American Heritage FCU Secured MasterCard® FAQ
Does American Heritage FCU Secured MasterCard® have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Extended Warranty Protection
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for American Heritage FCU Secured 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 Secured MasterCard® has a variable purchase APR starting at 15.9%. The card has a variable balance transfer APR starting at 15.9% . It also has a variable cash advance APR starting at 15.9% .
Does American Heritage FCU Secured 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 Secured 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 Secured MasterCard®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0.2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $35.
Does American Heritage FCU Secured MasterCard® have a foreign transaction fee?
American Heritage FCU Secured 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 Secured MasterCard®?
The customer service number for American Heritage FCU Secured MasterCard® is (215) 969-0777.
What is the support contact email for American Heritage FCU Secured MasterCard®?
The support contact email for American Heritage FCU Secured MasterCard® is GeneralInfo@amhfcu.org.
What is the login page for American Heritage FCU Secured MasterCard®?
You can access the login page of American Heritage FCU Secured MasterCard® here.
How do people rate the customer service and user experience of American Heritage FCU Secured MasterCard®?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does American Heritage FCU Secured MasterCard® report your account activity to credit bureaus?
Yes, American Heritage FCU Secured 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 Secured 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 Secured MasterCard®
- Visit the website of American Heritage FCU Secured 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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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
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