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.

Special 1.99% Introductory APR* for the first 9 months, 9.99% APR* Thereafter!

Looking for a credit card that combines a great low rate with a rewards program? Our Platinum Preferred Mastercard offers a special 1.99% Introductory APR* for the first nine months, and then 9.99% APR* thereafter while earning ScoreCard® Reward Points! Click here to apply.

Earn 5% cash back** at select retailers like Amazon, Target, Walmart, Macy's and more!

This holiday season, we are offering a special 5% Cash Back at your favorite stores when you use your American Heritage Cash Reward Mastercard® from October 1 to December 31! You can earn an additional 3% cash back gas, 2% on restaurants and 1% all other purchases. Plus, new cardholders are eligible for $150 in statement credit when you spend $1,500 in the first 90 days!*** Click here for a full list of merchant category codes. Click here to apply.

Platinum Preferred Mastercard®

  • 1.99% Introductory Annual Percentage Rate* for the first 9 months, as low as 9.99% APR* thereafter
  • 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®

  • 5% Cash Back** on Major Retailers
  • 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%
hand typing on computer keyboard

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.

**Offer available for American Heritage Credit Union Cash Reward cardmembers only: Earn 5% cash reward bonus for transactions at specific retailers from 10/01/19 through 12/31/19. 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.