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Get rewarded with every swipe.

A cup of coffee, wallet, and a Heritage Bank Visa Credit Card all sitting on a wood table

Get the credit card that gives you more.

Sign up for the Heritage Visa Platinum Preferred® credit card and get something from every swipe. Earn points you can convert to air travel miles and even once-in-a-lifetime experiences—all made available through the Visa rewards program.

No Annual Fee

24/7 Online Access

Competitive APR

ATM Cash Advances

24/7 Emergency Assistance

Collision Damage Waiver on Rental Cars

Low Monthly Payment


Which rewards card is right for you?

Use our comparison chart to find the option which best suits your needs. Then download an application and take it to a nearby branch today.
Who it benefits Personal credit card only with no rewards; optimal for low frequency use and/or to have handy for emergencies. Personal credit card with rewards; earn points for every qualifying dollar you spend. Ideal for a high volume of transactions.
How it works Make purchases wherever Visa is accepted. Minimum line is $500. Make purchases wherever Visa is accepted and earn rewards for every qualifying dollar. Minimum line is $500.
Annual Fee None None

Download Application (PDF)

Signing up is a reward in itself.

Earn qualifying points as soon as you sign up. Then keep earning qualifying points for every dollar you spend. And when it comes to redeeming your points, the sky's the limit.

Travel program
Redeem your points for airline travel, car rentals and hotel stays through participating Visa partners.

Once-in-a-lifetime experiences
Redeem your points for events or unique experiences, such as a trip to Auckland, New Zealand, to explore the Waitomo Caves; or a deep-sea fishing adventure in Cabo San Lucas, Mexico.

Start earning points
A woman wearing a leopard print watch typing on a silver laptop with a cup of coffee and black camera sitting on the table next to her

Trade VISA Platinum Preferred points for perks


Need to report a lost or stolen card? Call (800) 325-3678.

Stop by and apply today. And start getting rewarded.