Heritage Credit Union Visa Signature Rewards Credit Card

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

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.

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?

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.

What are the fees for Heritage Credit Union Visa Signature Rewards Credit Card?

The following fees apply:

• There is no overlimit fee

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 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.