Credit Cards

A powerful spending tool, perfect for everyday purchases while earning you rewards.

We are committed to helping our members find the perfect tool for their everyday purchases. An American Heritage Mastercard® gives our members a secure card for everyday transactions that earns rewards with every purchase.

Limited-Time Balance Transfer Offer – Transfer your high cost balances at 3.99% APR* for Life!

If you are looking to consolidate your debt, save on interest and lower your payments, consider our Platinum Preferred Mastercard® that features a 3.99% APR* Balance Transfer for Life offer to potentially save hundreds in interest payments.

Apply for our Platinum Preferred Mastercard

Limited-Time Cash Back Offer – We have increased our cash back to 3%**!

Our Cash Rewards Mastercard® can earn you up to 3%** cash back on essential purchases! Earn 3%** cash back at supermarkets, wholesale clubs, gasoline, home improvement store and more! To view a full list of participating retailers, click here. You are still able to receive up to 2% cash back on everything else you purchase and earn a $150*** bonus reward!

Apply for our Cash Reward Mastercard

Platinum Preferred Mastercard®

  • 3.99%* Balance Transfer for Life
  • No Balance Transfer Fees
  • No Annual Fees
  • ScoreCard® Rewards
  • Earn one Scorecard Reward Point for every $1 spent with the low rate Platinum Preferred Mastercard®

Cash Reward Mastercard®

  • 3%** Cash Back on supermarkets, wholesale clubs, gas, pharmacies, and home improvement stores
  • 2% Cash Back on restaurants
  • 1% Cash Back on everything else you buy
  • $150 Bonus Reward when you spend $1,500 in the first 90 days***
  • No Annual Fees
  • No Balance Transfer fees

Platinum Classic Mastercard®

  • Low 12.90% Annual Percentage Rate
  • No Annual Fee
  • No Balance Transfer Fee
  • Credit Limit Starting at $300
  • ScoreCard® Rewards
  • Earn one Scorecard Reward Point for every $1 spent with the low rate Platinum Classic Mastercard®

Platinum Secured Mastercard®

  • Deposit funds in the amount of your chosen credit limit from $300 to $25,000
  • Enjoy the convenience of a credit card and build a positive credit history
  • Low annual fee of $35.
  • Annual Percentage Rate of 15.9%
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New Members

Find the card that perfectly fits your lifestyle and apply for an American Heritage Credit Card today.

Save your way to the top!

Choose the savings account that will help you achieve your financial goals.

Important Disclosures

*The 3.99% Annual Percentage Rate (APR) on Balance Transfers and Cash Advances is a Discounted Rate that will be in effect on the amount from the time of the posting of the balance transfer to your card account until that specific balance is paid in full. Platinum Preferred Mastercard® must be opened on or before September 30, 2020 to take advantage of this offer. Available to balances transferred and cash advances posted to your American Heritage Mastercard between Mastercard receive date and 6 months after Mastercard receive date. Your standard APR will be 9.99% for purchases from the Mastercard receive date, as well as balance transfers and cash advances performed after the promotional period. Must have an American Heritage Savings Account with a minimum balance of $15 to be eligible. Approval for a Platinum Preferred Mastercard depends on creditworthiness and other qualifications. Existing Platinum Cardholders must meet eligibility requirements including but not limited to payment history and creditworthiness. Rates and promotions effective as of April 1, 2020 and are subject to be extended or changed without notice. 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. For current rates, fees and other cost information, to inquire about eligibility, or to be removed from this offer, please contact American Heritage Credit Union at 215-969-0777. Offer available to all new Platinum Preferred Mastercard holders. American Heritage reserves the right to refuse any balance transfer request. See account Terms and Conditions for information on fees. For full details, click here.


**Offer available for American Heritage Credit Union Cash Reward cardmembers only: Earn 3% cash reward bonus for transactions at specific retailers effective 4/1/20. Retailer purchases are those made at merchants classified with selected merchant category codes. For a full list of merchant category codes, click here. 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. This credit union is federally insured by NCUA. 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. 


***To 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.