Credit Cards

Cards with great rewards, low rates and a heart.

We are committed to helping our members find the perfect tool for their everyday purchases. An American Heritage Mastercard® gives our members great rewards for everyday purchases, low rates for transferring balances and consolidating debt, no balance transfer fees, and American Heritage donates $.01 to The Kids-N-Hope Foundation for every purchase you make using any of your American Heritage Credit Cards!

Earn up to 3%* Cash Back on ALL Your Purchases!

Our Cash Rewards Mastercard® can earn you up to 3%* cash back on ALL Purchases! Learn how you can earn up to 3%* 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

Family of four walking on the beach

Use your Credit Card and enter to Win a Free $15,000 Vacation!

We are giving a lucky member a $15,000 2022 vacation just for using your debit or credit card between July 1, 2021 through October 31, 2021! Click here for more information.

Cash Reward Mastercard®

  • 3% Cash Back on Essentials: Gas, Groceries, Pharmacies, Home Improvement*
  • 2% Cash Back on Travel and Dining: Hotels, Airfare, Ride Shares, Restaurants*
  • 1% Back on Everything Else!*
  • $150 Bonus Reward when you spend $1,500 in the first 90 days***
  • No Annual Fees
  • As low as 9.99% APR† on purchases and balances
  • 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

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

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

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 15.90%
  • A Penny A Purchase Program

Mastercard Network Benefits

As a Mastercard cardholder, you have immediate access to the following premium benefit:

  • $1 Million Travel Accident Insurance
  • Mastercard Concierge Service which includes 15% savings on airport meet and greet services at more than 700 worldwide locations
  • Extended Warranties
  • Price Protection
  • Mastercard Identity Theft Resolution Services
  • Mastercard Lost and Stolen Card Reporting
  • Emergency Card Replacement
  • Emergency Cash Advance
  • Mastercard Zero Liability Policy

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

*How to earn Cash Back: 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. 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. 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. See account Terms and Conditions for information on fees. Not a member? Join today. Equal Opportunity Lender.

**Annual Percentage Rate (APR). Rates listed valid as of 7/1/2021 and subject to change without prior notice.
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.
To qualify for 15,000 Scorecard Rewards points, 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 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 $150 per Account.
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. Not a member? Join today.  See account Terms and Conditions for information on fees.  For full details, 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.

 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.