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  American Heritage FCU Secured MasterCard®

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American Heritage FCU Secured MasterCard® Unaffiliated

American Heritage FCU Secured MasterCard®

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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 FCU 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 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 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 FCU Secured MasterCard®

The Good The Bad
  • Potentially lower than average purchase APRs.
  • Multiple credit card perks.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • No foreign transaction fee.
  • American Heritage FCU 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 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.

What are the American Heritage FCU 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 FCU 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. 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®?

The following fees apply:

American Heritage FCU 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 FCU Secured MasterCard® have a foreign transaction fee?

American Heritage FCU 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 FCU Secured MasterCard®?

The American Heritage FCU Secured MasterCard® customer service number 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 American Heritage FCU Secured MasterCard® login page?

You can access the American Heritage FCU Secured MasterCard® login page 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 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 FCU Secured MasterCard®

  • Visit the American Heritage FCU 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

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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View all credit cards offered by American Heritage Federal Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Foreign Currency Transaction Fee 0.2%
Annual Fee $35
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
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Extended Warranty Protection
  • Purchase Protection
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Variable APR) Starting at 15.9%
APR Type Variable APR
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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