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  American Heritage Federal Credit Union Platinum Secured MasterCard®

American Heritage Federal Credit Union Platinum Secured MasterCard®

in Personal Credit Cards from American Heritage Federal Credit Union

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American Heritage Federal Credit Union Platinum Secured MasterCard®

Unaffiliated

in Personal Credit Cards from American Heritage Federal Credit Union

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Highlights
Purchase APR  (Variable APR) Starting at 15.9%
Balance Transfer APR  (Variable APR) Starting at 15.9%
Credit Score Range N/A
Annual Fee $35

American Heritage Federal Credit Union Platinum Secured MasterCard® Review

This is a secured credit card credit card issued by American Heritage Federal Credit Union. If you're wondering whether American Heritage Federal Credit Union Platinum Secured 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.

Key Takeaways
  • 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.
  • 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 Federal Credit Union Platinum Secured MasterCard®
The Good The Bad
  • Lower than average purchase APRs.
  • Multiple credit card perks.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • No foreign transaction fee.
  • American Heritage Federal Credit Union Platinum Secured MasterCard® reports to multiple credit bureaus.
  • Charges an annual fee of $35
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 0.2%.
  • You don't earn rewards on every purchase.
American Heritage Federal Credit Union Platinum Secured MasterCard® FAQ

Does American Heritage Federal Credit Union Platinum Secured MasterCard® have a cash back or rewards program?

No, it does not offer a rewards program.

What are the American Heritage Federal Credit Union Platinum Secured 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 Platinum Secured 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 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 Federal Credit Union Platinum 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 Federal Credit Union Platinum 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 Federal Credit Union Platinum Secured MasterCard®?

The following fees apply:

American Heritage Federal Credit Union Platinum Secured MasterCard® Fees
Fees Amount
Annual Fee $35
Foreign Transaction Fee 0.2%
Returned Payment Fee up to $25
Late Payment Fee up to $20

Does American Heritage Federal Credit Union Platinum Secured MasterCard® have a foreign transaction fee?

American Heritage Federal Credit Union Platinum Secured 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 foreign transaction fees.

What is the customer service phone number for American Heritage Federal Credit Union Platinum Secured MasterCard®?

The American Heritage Federal Credit Union Platinum Secured MasterCard® customer service number is (215) 969-0777.

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

Yes, American Heritage Federal Credit Union Platinum Secured 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 Secured MasterCard®

  • Visit the American Heritage Federal Credit Union Platinum Secured 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

Foreign Currency Transaction Fee 0.2%
No Interest Grace Period for Late Payment 27 days
Annual Fee $35
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 Type No Rewards
Cash Advance APR (Variable APR) Starting at 15.9%
Credit Limit $300 - $25,000
Purchase APR (Variable APR) Starting at 15.9%
Balance Transfer APR (Variable APR) Starting at 15.9%
Card Type
  • Secured
  • Bad Credit
Card Network Mastercard

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