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

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

Our Cash Rewards Mastercard® earns you up to 3%* 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 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

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
  • 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!

New Members

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

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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.

**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.

Not a member? Join today. Equal Opportunity Lender. For full details, click here.