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  Heritage Credit Union Visa Signature Rewards Credit Card
Heritage Credit Union Visa Signature Rewards Credit Card Unaffiliated

Heritage Credit Union Visa Signature Rewards Credit Card

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Highlights
Purchase APR  (Variable APR) 9.99% - 15.74%
(Verified 08/04/2023)
Balance Transfer APR  (Variable APR) 9.99% - 15.74%
(Verified 08/04/2023)
Credit Score Range 680 - 850
Annual Fee $0

Heritage Credit Union Visa Signature Rewards Credit Card Review

This is a cashback 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.

Key Takeaways

  • 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.

Pros & Cons of Heritage Credit Union Visa Signature Rewards Credit Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • No balance transfer fee.
  • No annual fee.
  • Travel accident insurance.
  • Trip Cancellation and Interruption Protection.
  • Cardholders can earn rewards on purchases everywhere Heritage Credit Union Visa Signature Rewards Credit Card is accepted.
  • Heritage Credit Union Visa Signature Rewards Credit Card reports to multiple credit bureaus.
  • You need good credit to qualify.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.

Heritage Credit Union Visa Signature Rewards Credit Card FAQ

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.

Heritage Credit Union Visa Signature Rewards Credit Card 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.

Heritage Credit Union Visa Signature Rewards Credit Card Balance Transfers
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
Heritage Credit Union Visa Signature Rewards Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Initial Program Fee $
Foreign Transaction Fee 1%
Returned Payment Fee Starting at $ up to $25
Late Payment Fee Starting at 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 customer service phone number for Heritage Credit Union Visa Signature Rewards Credit Card?

The Heritage Credit Union Visa Signature Rewards Credit Card customer service number is (888) 432-8496.

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.

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 10:00am - 4:00pm
  • Tuesday 10:00am - 4:00pm
  • Wednesday 10:00am - 4:00pm
  • Thursday 10:00am - 4:00pm
  • Friday 10:00am - 4:00pm
  • Saturday Closed

About Heritage Credit Union Visa Signature Rewards Credit Card

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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

Cash Advance Fee Minimum $5
Cash Advance Fee (%) Up to 3%
Foreign Currency Transaction Fee 1%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $25
Additional Card Fee Amount $0
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Other
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 680 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Trip Cancellation Insurance
  • Fraud Liability
  • Travel Accident Insurance
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 9.99% - 15.74%
APR Type Variable APR
Balance Computation a method called “average daily balance (including new purchases).”
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 9.99% - 15.74%
(Verified 08/04/2023)
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 9.99% - 15.74%
(Verified 08/04/2023)
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Cashback
Card Network Visa

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