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 and earn 3% Cash Back!

Banks may charge you a balance transfer fee up to 3% - instead we will pay you 3%** to consolidate your credit cards!


1.      Apply for an American Heritage Platinum Mastercard starting January 2, 2020 and open it by April 30, 2020.
2.      Transfer your non-American Heritage credit card balances to your Platinum Mastercard within 90 days of receiving your Mastercard.
3.      Receive a 3% Cash Bonus, paid into your American Heritage Checking Account, within 90 days based on the balances you’ve transferred.

Click here to apply.

Platinum Preferred Mastercard®

  • 3% Cash Back on Balance Transfers**
  • 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 gas
  • 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

* Annual Percentage Rate (APR). The 1.99% APR introductory rate and 9.99% standard rate apply to the Platinum Preferred Mastercard®. 1.99% APR introductory rate is effective for the first nine billing cycles for qualifying members on purchases, balance transfers and cash advances made during that time. After the introductory period expires, standard APR is 9.99% for purchases, balance transfers and cash advances. 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 factors. Your rate may vary. Rates are subject to change without notice. For full details, click here.

**Platinum Preferred Mastercard® must be opened between 1/1/2020 and 4/30/2020 to take advantage of this offer. A 3% cash bonus will be posted to your American Heritage Checking account within 90 days of credit card open date and will be based on the total cash advance/balance transfer amount during the 90-day period; bonus amount not to exceed the available credit limit at the 90th day. For example, if a cardholder’s credit limit is $5,000, the bonus amount may not exceed $150 regardless of the volume of balance transfers performed during promotional period. For new cardholders. The standard APR will be 9.99% for purchases, balance transfers and cash advances performed from the Mastercard receive date. There are no balance transfer or cash advance fees associated with this offer. To see a full list of fees, please refer to Schedule of Fees. This rate and promotion are effective as of 1/1/20 and is subject to change without notice. Must have an American Heritage Checking Account to receive cash bonus. Approval for a Platinum Preferred Mastercard depends on creditworthiness and other qualifications. American Heritage Business Cards, Platinum Classic, Platinum Secured, and Cash Reward Mastercard are ineligible for this offer. 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. Existing Platinum Preferred Mastercard cardholders in good standing: Cardholders may be eligible to receive bonus based on any balance transfer performed between 1/1/2020 and 4/30/2020 depending upon current promotional enrollments. Existing Platinum Preferred Mastercard holders may visit a branch or contact us at 215-969-0777 to learn more. For balances transferred to an existing card during that time, the APR on those balances will be the in-force rate stated on account disclosures.  American Heritage reserves the right to refuse any balance transfer request. See account Terms and Conditions for information on fees.

***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.