Heritage Credit Union Visa Signature Rewards Credit Card
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| Purchase APR (Variable APR) | 9.99% - 15.74% |
| Balance Transfer APR (Variable APR) | 9.99% - 15.74% |
| Credit Score Range | 680 - 850 |
| Annual Fee | $0 |
Heritage Credit Union Visa Signature Rewards Credit Card Review
This is a cashback credit card issued by Heritage Credit Union. If you're wondering whether Heritage Credit Union Visa Signature Rewards Credit Card 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.
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
- Competitive APRs. Heritage Credit Union Visa Signature Rewards Credit Card has a variable purchase APR that ranges from 9.99% up to 15.74%.
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible 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 1% every time you make a transaction outside the U.S.
- Good or better credit required. You will have low approval odds if your credit score is below 680.
| The Good | The Bad |
|---|---|
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Does Heritage Credit Union Visa Signature Rewards Credit Card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
Does Heritage Credit Union Visa Signature Rewards Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Heritage Credit Union Visa Signature Rewards Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Heritage Credit Union Visa Signature Rewards Credit Card benefits?
It provides the following benefits:
- Trip Cancellation Insurance
- Zero fraud liability
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for Heritage Credit Union Visa Signature Rewards Credit Card?
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.Heritage Credit Union Visa Signature Rewards Credit Card has a variable purchase APR that ranges from 9.99% up to 15.74%. The card has a variable balance transfer APR that ranges from 9.99% up to 15.74%. It also has a variable cash advance APR that ranges from 9.99% up to 15.74%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Heritage Credit Union Visa Signature Rewards Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 12 months |
| Balance Transfer APR | 9.99% - 15.74% |
| Balance Transfer Fee % | 0% |
Does Heritage Credit Union Visa Signature Rewards Credit Card 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 Heritage Credit Union Visa Signature Rewards Credit Card?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $25 |
| Late Payment Fee | up to $25 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Heritage Credit Union Visa Signature Rewards Credit Card have a foreign transaction fee?
Heritage Credit Union Visa Signature Rewards Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. 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 support contact email for Heritage Credit Union Visa Signature Rewards Credit Card?
The support contact email for Heritage Credit Union Visa Signature Rewards Credit Card is hbsupport@heritagecu.org.
What is the Heritage Credit Union Visa Signature Rewards Credit Card login page?
You can access the Heritage Credit Union Visa Signature Rewards Credit Card login page here.
How do people rate the customer service and user experience of Heritage Credit Union Visa Signature Rewards Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Heritage Credit Union Visa Signature Rewards Credit Card report your account activity to credit bureaus?
Yes, Heritage Credit Union Visa Signature Rewards Credit Card 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 Heritage Credit Union Visa Signature Rewards Credit Card
- Visit the Heritage Credit Union Visa Signature Rewards Credit Card 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.
Contact
- Headquarters
-
1502 Hwy Blvd N
Chetek, WI 54728 USA - Visit Site
- Email Support
About Heritage Credit Union Visa Signature Rewards Credit Card
Availability
- 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
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $0 |
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Additional Card Fee Amount | $0 |
| Cash Advance Fee Minimum | $5 |
| Cash Advance Fee (%) | Up to 3% |
| Foreign Currency Transaction Fee | 1% |
| Returned Payment Fee | Up to $25 |
| Late Fee Amount | Up to $25 |
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