Credit Cards
An American Heritage Mastercard® gives back to both our members and our community. Enjoy great rewards, low rates, and fewer fees — plus, American Heritage donates $.01 to The Kids-N-Hope Foundation for every purchase made using any American Heritage Credit Card!

View our latest offers and apply for your card today

During this Holiday Season, Earn Up to 4%* Cash Back on ALL Your Purchases!

From now through the end of January 2025, our Cash Rewards Mastercard® earns you up to 4%* cash back on ALL Purchases!  Take advantage of this offer to make the most out the holidays and give yourself an instant discount on all purchases! Learn how you can earn up to 4%* cash back below. You can also earn a $150*** bonus reward by simply using your Cash Reward Mastercard®!

Apply for our Cash Reward Mastercard

Introductory 0% APR** on Purchases and Balance Transfers Offer!

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% APR** on Purchases and Balance Transfers for the first 9 months, and 9.99% APR** thereafter. Plus, earn a bonus 15,000 ScoreCard Reward Points** you can use on airfare, brand-named merchandise, gift cards and more!

Apply for our Platinum Preferred Mastercard

Cash Reward Mastercard®

  • 4% Cash Back on Essentials: Gas, Groceries, Pharmacies, Home Improvement*
  • 2% Back on Everything Else!*
  • $150 Bonus Reward when you spend $1,500 in the first 90 days***
  • No Annual Fees
  • Cash Back can be redeemed into deposit accounts, to pay down balances, or donated to Kids-N-Hope Foundation via Online and Mobile Teller
  • No Balance Transfer fees
  • A Penny A Purchase Program: For every purchase you make using any of your American Heritage Credit Card, we donate $.01 to The Kids-N-Hope Foundation!

Platinum Preferred Mastercard®

  • Introductory 0% APR** on Purchases and Balance Transfers for the first 9 months, 9.99% APR** thereafter.
  • Earn a bonus 15,000 ScoreCard Rewards Points when you spend $1,500 in the first 90 days†
  • 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®
  • A Penny A Purchase Program: For every purchase you make using any of your American Heritage Credit Card, we donate $.01 to The Kids-N-Hope Foundation!

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®
  • A Penny A Purchase Program: For every purchase you make using any of your American Heritage Credit Card, we donate $.01 to The Kids-N-Hope Foundation!

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
  • Options to graduate to an Unsecured Card after building a positive credit rating
  • Low annual fee of $35.
  • Annual Percentage Rate of 15.90%††
  • A Penny A Purchase Program: For every purchase you make using any of your American Heritage Credit Card, we donate $.01 to The Kids-N-Hope Foundation!

How to Spot Social Media Shopping Scams

By: American Heritage
11.07.24
Social media platforms have become a popular and convenient way to discover new brands and products. However, an increasing number of scammers are using these platforms to create fake companies and push nonexistent merchandise to consumers.

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.

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.

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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Important Disclosures

*Offer valid as of 10/15/24 thru 1/31/25 and available for American Heritage Credit Union Cash Reward cardmembers only. 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. How to earn Cash Back: Earn 4% from essential merchants (Defined as gasoline, grocery stores, home improvement, pharmacies, dairy, or meat locker) and earn 2% from all other merchants. After 1/31/25, the Cash Reward program reverts to 3% Cash Back on Essentials (Defined as gasoline, grocery stores, home improvement, pharmacies, dairy, or meat locker), 2% Cash Back on Travel and Dining (Defined as restaurants, cafes, fast food chains, airlines, ride sharing and hotels), and 1% Back on Everything Else. 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. Members must be in good standing with a minimum of a $15 deposit in their Primary Share Account. Not a member? Join today.

**Introductory 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.

*** 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.

† 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.

††Annual 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.

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