FDIC: FDIC-Insured - Backed by the full faith and credit of the U.S. Government
FDIC: FDIC-Insured - Backed by the full faith and credit of the U.S. Government
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CREDIT CARDS

Get Rewards

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

Low monthly payment

 
 
 

Compare Rewards Credit Cards

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.
  VISA PLATINUM VISA PLATINUM PREFERRED®
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 credit limit is $2,500. Make purchases wherever Visa is accepted and earn rewards for every qualifying dollar. Minimum credit limit is $2,500.
Annual Fee None None

Download Application (PDF)
 

Apply for a Credit Card

Here are some helpful guidelines when researching the product that's right for you.
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When is a credit card a good choice?
Credit cards give you immediate purchasing power and can be a good way to establish your credit record. Plus, they often come with rewards like our Visa Platinum® Preferred card.

Credit cards are the most expensive form of financing, with variable interest rates often in the double digits. To avoid accruing interest, you must pay off your balance in full each month. A credit card is best for short-term financing, emergencies or small purchases you can repay within a statement period.

Two types of credit cards.
Take your pick.

We offer the Visa Platinum card or the Visa Platinum Preferred card with rewards. Each offers something a little different—but both are backed with superior Visa service and protection. To get started, simply apply online or stop by a nearby branch.

See loan calculators
Credit card application (PDF)
 

Signing Up Is a Reward

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
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Trade VISA Platinum Preferred points for perks

 

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