The American Heritage Visa Platinum Good Credit is a personal credit card from American Heritage Visa Platinum. The annual fee is $0. The ongoing APR is 9.99% after a 0% APR introductory rate for 9 months. Approval typically requires a credit score of 680 or higher. Signup bonus: 15,000 ScoreCard Rewards Points when you spend $1,500 in the first 90 days. Rewards: Earn one ScoreCard Reward Point for every $1 spent. Cash back: 1%. Typical credit limit: $500-$25,000.