Platinum Rewards Credit Card — Heritage Community Credit Union is a personal credit card from Heritage Community Credit Union. The annual fee is No Annual Fee: We don't charge service fees!. The ongoing APR is After six months, get a rate between 15.74% and 36.00% APR* based on your credit. after a 4.99% Introductory APR* for Purchases: Enjoy a low, fixed rate for the first six months after account opening. introductory rate. Signup bonus: Bonus Points: Earn 10,000 bonus points when you spend $1,500 in the first 3 months. Rewards: Groceries: Earn 5 reward points per $1 spent on eligible grocery purchases.; Gas: Earn 4 reward points per $1 spent on eligible gas purchases.; Service Providers: Earn 3 reward points per $1 spent with eligible service providers.; Points on Purchases: Earn 1.5 reward points per $1 spent on all purchases..