The American Heritage Credit Union is a personal credit card from American Heritage Credit Union. The annual fee is $0. The ongoing APR is 13.74% to 17.99% variable, based on Prime Rate and creditworthiness (disclosure effective Oct 1, 2026). Signup bonus: $150 statement credit after $1,500 in net purchases within 90 days; limit one per account. Rewards: 3% cash back on all purchases through 12/31/2026; after that 3% on essentials (gas, groceries, pharmacies, home improvement), 2% on travel and dining, 1% on everything else. Cash back: $150 Bonus Reward when you spend $1,500 in the first 90 days. This product reports activity to your personal credit report.