Credit Cards

Our American Heritage Mastercards® offer cash back benefits, low rates, and support our community with every swipe. American Heritage donates $.01 to The Kids-N-Hope Foundation for every purchase made using any American Heritage Card! Apply online and choose the credit card that fits your needs.

 


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View our latest offers and apply for your card today

Cash Reward Mastercard

Earns you up to 3%² cash back on ALL Purchases!  Take advantage of this offer to make the most out of the holidays and give yourself an instant discount on all purchases! Learn how you can earn up to 3%² cash back below. You can also earn a $150⁴ bonus reward by simply using your Cash Reward Mastercard!

Apply for our Cash Reward Mastercard

Platinum Preferred Mastercard

If you are looking to consolidate your debt, save on interest and lower your payments, consider our Platinum Preferred Mastercard that features an Introductory 0% APR³ on Purchases and Balance Transfers for the first 9 months, and 9.99% APR³ thereafter. Plus, earn a bonus 15,000 ScoreCard® Reward Points⁵ you can use on airfare, brand-named merchandise, gift cards and more!

Apply for our Platinum Preferred Mastercard

Earn Cash Back on all Purchases

Cash Reward Mastercard

Cash Reward Mastercard
  • Cash Reward Offer
    Until January 31, 2026, earn 3%² cash back on all purchases
  • Annual Percentage Rate
    13.49%¹
  • Bonus Reward
    $150 Bonus Reward when you spend $1,500 in the first 90 days⁴
  • A Penny A Purchase Program
    For every purchase made using any American Heritage card, we donate $.01 to The Kids-N-Hope Foundation!
Apply Now
A Premier Unsecured Lending Option

Platinum Preferred Mastercard

Platinum Preferred Mastercard
  • Introductory Offer
    0% APR³ on Purchases and Balance Transfers for the first 9 months, 9.99% APR³ thereafter.

  • ScoreCard® Rewards

    Earn a bonus 15,000 ScoreCard Rewards Points⁵ when you spend $1,500 in the first 90 days
  • Annual Fee/Balance Transfer Fee
    $0
  • A Penny A Purchase Program
    For every purchase made using any American Heritage card, we donate $.01 to The Kids-N-Hope Foundation!
Apply Now
A Great Card for Everyday Purchases

Platinum Classic Mastercard

Platinum Classic Mastercard
  • Annual Percentage Rate
    12.90% APR¹
  • ScoreCard® Rewards
    Earn one Scorecard Reward Point⁵ for every $1 spent with the low rate Platinum Classic Mastercard®

  • Annual Fee/Balance Transfer Fee

    $0
  • A Penny A Purchase Program
    For every purchase made using any American Heritage card, we donate $.01 to The Kids-N-Hope Foundation!
Apply Now
Establish a Credit History with Savings You Already Earned

Platinum Secured Mastercard

Platinum Secured Mastercard
  • Annual Percentage Rate
    15.90% APR¹
  • Credit Limit
    Deposit funds in the amount of your chosen credit limit from $300 to $25,000
  • Annual Fee
    $35
  • A Penny A Purchase Program
    For every purchase made using any American Heritage card, we donate $.01 to The Kids-N-Hope Foundation!
Apply Now

8 Ways to Save on Your Thanksgiving Dinner This Year

By: John Lutz
11.13.25
While there’s a lot to be thankful for with the Thanksgiving holiday, one item that may not be so appreciative is your wallet. Between the meal itself, travel, decorations, and more, it may feel like the taps, swipes, and purchases never stop. However, with the proper budget and strategy in place, you can pull off a successful Thanksgiving that won’t empty your bank account.
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Common Scams Targeting Credit Cards

By: American Heritage
09.21.23
More than 150 million Americans were victims of credit card fraud last year, according to this Security.org's 2023 Credit Card Fraud Report. It’s a serious issue that can impact financial well-being and personal security. Credit card fraud often leads to unauthorized transactions, which may result in financial losses for the victim. Fraudulent activity on credit cards can also negatively affect victims’ credit scores if the unauthorized charges are not resolved promptly. This can make it harder to secure loans or credit in the future and lead to higher interest rates.
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How to Use a Secured Credit Card as a Stepping-Stone to Better Credit

By: Kirstin Wilson
07.06.23
If you’re new to borrowing, your first step is to establish credit. Secured credit cards can be an alternative to unsecured credit cards with the same conveniences. Secured credit cards are designed to help borrowers take positive steps towards financial freedom. The best candidates for secured credit cards are high-risk borrowers, those with damaged or insufficient credit history, those who are just starting out with credit, and those looking to avoid overspending.
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How Debit Cards and Credit Cards are Different

By: American Heritage
06.08.23
On the surface, debit cards and credit cards look alike, with a chip and a magnetic stripe, your financial institution's logo, and the card network (like Visa or Mastercard). They both give you a convenient way to make purchases online and in stores. So, what are the differences?
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New Members

Find the card that perfectly fits your lifestyle and apply for an American Heritage Credit Card today.
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Choose the savings account that will help you achieve your financial goals.
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Disclosures

¹Annual Percentage Rate (APR) is based on creditworthiness and will vary with the market based on the Prime Rate. APR is subject to change on the first day of the billing cycle monthly and will be determined by the Prime Rate index on first day of each calendar month, plus a margin. Your APR will be disclosed at the time of credit approval. For full details, click here.

 

²Offer valid as of 10/1/25 and available for American Heritage Credit Union Cash Reward cardmembers only. How to earn Cash Back: Earn 3% cash reward bonus for all transactions made between 10/1/25 and 1/31/26. After 1/31/26, the Cash Reward program reverts to 3% Cash Back on Essentials (Gas, Groceries, Pharmacies, Home Improvement Stores), 2% Cash Back on Travel and Dining (Hotels, Airfare, Ride Shares, Restaurants), and 1% Back on Everything Else. Essential merchants defined as gasoline, grocery stores, home improvement, pharmacies, dairy, or meat locker. Travel merchants defined as restaurants, cafes, fast food chains, airlines, ride sharing and hotels. Purchases made through third-party technologies such as P2P or mobile wallets may not receive higher reward depending upon how the technology platform is configured to process the purchase. American Heritage is not responsible for codes used by merchants. See American Heritage Credit Union Cash Reward Program Terms and Conditions for more information about your rewards. We reserve the right to cancel, modify or extend this offer at any time without notice. Membership eligibility required. All credit card accounts subject to approval. Member must be in good standing with a minimum of a $15 deposit in their Primary Share Account. Not a member? Join today.

 

³Introductory 0.00% APR for purchases and balances for 9 months from credit card open date. Balances and purchases are subject to standard 9.99% APR thereafter. Approval for a Platinum Preferred Mastercard depends on creditworthiness and other qualifications. Other restrictions or conditions may apply. You may not pay off your current American Heritage Credit Union credit card, loans or lines of credit by using this balance transfer or cash advance options. Offer available to all new qualified Platinum Preferred Mastercard holders. Foreign transaction fees may apply. Existing Platinum Preferred Mastercard cardholders in good standing with no outstanding balance may be eligible for 0% APR depending upon current promotional enrollments. Existing Platinum Preferred Mastercard holders may visit a branch or contact us at 215.969.0777 to learn more. American Heritage reserves the right to refuse any balance transfer request. See account Terms and Conditions for information on fees, click here.

 

⁴To qualify for the $150 statement credit, you must make $1,500 or more in net purchases with your American Heritage Cash Reward Mastercard Account within 90 days of Account opening. Net purchase amount is calculated by totaling all purchase transactions made within the first 90 days, less any returns, refunds, credits, disputes or adjustments applied to the Account during the same period. Purchase transactions do not include cash advances, balance transfers, finance charges, fees, convenience checks, ATM withdrawals, foreign transaction currency conversion charges or insurance charges. To receive the $150 statement credit, Account must be open and in good standing at the time the credit is posted to the Account. Statement credit will be posted within 3 business days after the net purchase threshold is met. Limit 1 statement credit of $150 per Account.

 

⁵ To qualify for 15,000 Scorecard Rewards points, you must make $1,500 or more in net purchases with your American Heritage Platinum Mastercard Account within 90 days of Account opening. Net purchase amount is calculated by totaling all purchase transactions made within the first 90 days, less any returns, refunds, credits, disputes or adjustments applied to the Account during the same period. Purchase transactions do not include cash advances, balance transfers, finance charges, fees, convenience checks, ATM withdrawals, foreign transaction currency conversion charges or insurance charges. To receive the Scorecard Rewards bonus points, account must be open and in good standing at the time the credit is posted to the Account. Statement credit will be posted within 3 business days after the net purchase threshold is met. Limit 1 statement credit of 15,000 ScoreCard Rewards per Account.

 

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